
Class ZLsk- 



Bonk 

Copyright N° 



COPYRIGHT DEPOSIT. 



The Complete Dictater 



A Collection 

OF 

Letters, Legal Forms, Testimony, and 
Selected Articles 

FOR DICTATION TO SHORTHAND STUDENTS 



COMPILED AND EDITED BY 

Parke Schoch, A. M. 

Director, Department of Commerce and Finance, 

Drexel Institute, Philadelphia ; Author, Pitman Phonography for 

Schools and Colleges 



philadelphia 
Park Publishing Company 



-7^ 



LIBRARY QfCQNttRessf 
Two Copies Received | 
JUL 18 190? 
_ CoDynrht Entry 

OuL. /3. /?#; 

ClAss a. xxc, No. 
/7£+sr/C> 

COPY B. 



\<\ 



Copyright, 1907, by 

Parkh Schoch, 

Philadelphia. 



. PREFACE 

This book has been prepared to supply a distinct lack in 
the material available to the teacher — a comprehensive 
dictation course consisting of matter that is, first, wisely 
selected ; second, carefully edited ; third, properly graded ; 
fourth, judiciously and liberally keyed. Business- letter 
books in abundance are published, but the training of 
stenographers involves more than a drill in commercial 
correspondence, and to fulfill the additional requirements 
the teacher has been obliged to supplement the letters with 
articles collected at haphazard from various sources. The 
result has been an unsystematic, unbalanced, and incomplete 
course. Between the covers of this book will be found 
in proper proportions letters, legal forms, testimony, and 
selected articles, which together comprise a logical and 
complete course in dictation. If shorthand teaching is to 
attain the highest standards, the dictation period of instruc- 
tion must be as carefully organized and conducted as the 
text-book period has come to be. This presupposes, first, 
a good book from which to teach, and, second, a book in 
the hands of each student so that lessons may be assigned 
from day to day and be prepared by the student with the 
same care as is required for the principles of shorthand. 
The vocabulary of more than twenty-two hundred words 
makes this method of teaching easy and effective. 

Twenty representative lines of business have been selected 
as a basis for the correspondence division of the book, and 
the letters, all new and relating to actual transactions, have 
been contributed by firms, corporations, and institutions of 
the highest standing. Every letter and exercise has been 

3 



4 THE COMPLETE DICTATEK 

carefully edited so as to produce a form that may serve as a 
model to the student. Business and professional technicali- 
ties are at all times an important desideratum, and these 
have been preserved, but good, clean English is equally 
imperative in the training of youth. Pains have been taken 
to have the book reflect the latest and best usage in all the 
technical points of grammar and composition. These in the 
main will speak for themselves, but attention may be called 
to the spelling of the word Dictater in the title, which may 
jar a little at first sight. When it is known, however, that 
the dictionaries do not give a definition of dictator to meet 
the requirements of the book — and the common interpreta- 
tion of that word certainly does not admit of its use here — the 
license in spelling will be permitted. 

In making acknowledgments for assistance rendered him 
in the preparation of this course, the compiler and editor 
finds just discrimination impossible, so many have been the 
firms, teachers, and personal friends who have contributed. 
He must content himself, therefore, with a general expres- 
sion of appreciation to all for the many courtesies extended 
to him. 



CONTENTS 



Part I Letters 



To the Teacher 
Miscellaneous 
Banking . 
Dry Goods 
Grocery . 
Lumber . 
Coal . . 
Life Insurance 
Fire Insurance 
Printing . . . 
Advertising . 



Page 
8 
9 
15 
20 
25 
30 
35 
41 
47 
52 
57 



Real Estate 
Law . . . 
Publishing . 
Contracting 
Stock Brokerage 
Education . 
Railroading . 
Shipping . . 
Steel and Iron 
Motor Cars . 
Electricity . . 



Part II Legal Forms and Testimony 



To the Teacher . . 
Bill of Sale . . . 
Power of Attorney 
Affidavit .... 
Lease 



Page 

142 Will . . . . 

143 Bond . . . . 

143 Deed . . . . 

144 Testimony A 

145 Testimony B 



Partnership Agreement 146 



Page 

62 

71 

77 

82 

90 

97 

105 

114 

119 

127 

133 



Page 
147 
148 
149 
151 
155 



Page 
160 



Part I Selected Articles 

Page 
Making Cities Attractive 166 

The Worlds Paper Con- 
sumption 167 

A Present Duty ... 168 
Leisure Hours .... 169 
The Honored Leading 
Citizen 170 



To the Teacher . . 

Educating Oneself . . 161 

Stock Market Report . 162 
Are We Done with the 

Novel 163 

Rice Culture 164 

Bond Salesmen .... 165 



6 



THE COMPLETE DICTATED 



Page 
Weather Warnings . . 171 
British vs. American 

Artisans 172 

When Shall We Fly . 173 
Inefficiency of Night 

Work 174 

Courtesy in Business . 175 
The Dangers of Novel 

Reading 176 

Money Market Report . 177 
Athletics . ... 178 
The Summer Vacation 179 
Things That are Worth 

While 180 

Profit in City Waste . 181 
The Japanese Industrial 

Policy 182 

The Selfishness of Child 

Labor 183 

Irrigation 184 

Honesty in Business . 185 

Democracy 186 

The Japanese in America 187 
For American Influence 

in China 188 

National Gratitude . . 189 
The Art of Conversation 190 
Against Prison Sight- 
seeing 191 



Page 
Jamaica's Future . . . 192 
Business Conditions of 

Today 193 

The Military Industry 194 
Hard Lines for the Clerk 195 
Men of Commanding Per- 
sonality 196 

Taxation for Education 197 
Spreading Medical Knowl- 
edge 198 

College Men and Citizen- 
ship . . 199 

Education for Business 200 
Tillage of the Soil . . 201 
The Trusts and Social- 
ism 202 

The Borrowed Mirror . 203 

Americanism 204 

Rights and Duties . . 205 
Centralization in the 

United States ... 206 
To Make War More 

Horrible 207 

The Degradation of the 

Courts 208 

Christian Citizenship . 209 
The Authority of the 
State 210 



Part IV 



Vocabulary 



Pages 
213-242 



PARTI 

Letters 



TO THE TEACHER 

In order to make the vocabulary readily accessible, the 
words to be found there are indicated throughout the exercises 
by the small superior figure one ; thus 1 . Time should not 
be wasted, therefore, in looking for words not thus marked. 

In the vocabulary are shown mainly those words which are 
abbreviated, irregular, or out of accord with established 
principles. As a rule, the so-called word-signs are omitted, 
these being generally included in the shorthand text-books 
and mastered by the student in the theory grade. Some 
few words are keyed which, though written in full, are 
found by experience to cause trouble. Many words are 
indicated many times throughout the book, but a given 
word is marked only once in the same letter or exercise. 
Past tenses of verbs when regularly formed, participles, the 
third person singular indicatives of verbs, and the plurals 
of nouns have not been keyed when it has been necessary to 
key the same verb in the present tense and the noun in the 
singular number. In all other cases the words are to be 
found in the vocabulary precisely as they appear in the book. 

In counting the words in the letters, only those in the 
body of the letter have been included. The signs for dollar, 
per cent., inch, foot, and the like, have been counted as 
words ; pairs or groups of figures as a single word ; compounds 
as two words ; in names, each initial as a word. 



MISCELLANEOUS 

Mr. Robert Burns 1 , I 

Dallas, Tex. 
Dear Sir : 

We wrote you last month in response to your request 
for extra time on your overdue account, saying that if you 
would pay half of this by return 1 mail, we would allow you 
farther time. You have, however, paid no attention to our 
letter and have not favored us with any remittance 1 . We 
must ask you to give your account immediate attention, and 
we will look for your check for the full amount by return 

mail. (76) 

Yours truly, 

Messrs. Grim & Squier 1 , 1 

Moline, 111 1 . 
Gentlemen : 

Confirming 1 our message of the 11th that we made no 
shipments of coke to you, we beg to advise you that the 
reason for this was that we were unable to get box cars. 
The railroad has been completely tied up, and there was no 
distribution 1 of this kind of cars for several days prior to the 
11th. We expect to make you full shipments on Monday 
and Tuesday next. (70) 

Yours truly, 

Mr. D. S. Ogden, Gen. Agt 1 ., 3 

Mutual 1 Life Insurance 1 Co., 
Lima, O. 
Dear Sir : 

Please send me application 1 blanks and rate books of 
all your policies. Kindly indicate 1 the cheapest life insur- 
ance your company writes on a first-class 1 risk. I have three 

9 



10 THE COMPLETE DICTATES 

or four men on whom I can place insurance, provided 1 you 
will allow me a satisfactory 1 commission 1 . Two of them 
can be examined 1 in Pennsylvania 1 or Ohio. Kindly give 
me the rate of commission you will allow me on any policies 
that I may be able to obtain for your company. (80) 
Yours truly, 

Mr. William J. Mellon, 4 

Dear Sir : 

We have your favor dated yesterday 1 , and are obliged 
for check in settlement 1 of car of oats. 

On checking over the empty 1 bags, we find that there 
were shipped from Lansing 12,229 which, with the 20 you 
have, make 12,249, whereas the bill of lading calls for 
12,228. We shall be obliged if you will inform 1 us what 
receipt you gave the railroad company, in order that we may 
know whether we have any claim for short 1 delivery. The 
20 bags you now have are so few that it would not pay to 
send them on ; therefore, you need not do so. (102) 
Yours truly, 

Nelson 1 Dry Goods Co., 5 

Bath, Me. 
Dear Sirs : 

We have yours of the 18th instant enclosing note due 
May 1, which you ask us to take in settlement 1 of your 
account. We regret that we are unable to indulge 1 you 
in this respect 1 , and in order that the account may be prop- 
erly 1 attended to, we have placed it with our attorney 1 who, 
we understand 1 , has forwarded 1 it to his correspondent 1 in 
Bath. The needs of our business require us to have our 
outstanding 1 accounts collected 1 , and we cannot extend to 
customers 1 extra time, even though it be our desire to do 
so. Being unable to accept the note, we herewith return 1 
it to you. (106) 

Yours truly, 



MISCELLANEOUS 11 

Mr. Thomas McCall 1 , 6 

Newport 1 , R. P. 
Dear Sir: 

We have your favor of the 20th instant relative 1 to 
your order. In reply we would say that we will ship your 
goods on thirty days time, if you desire. In making this 
offer we are acting contrary 1 to our general rule, but we 
have confidence 1 in you and wish to meet you halfway. Of 
course, when we have become better 1 acquainted 1 with you, 
we shall be pleased to extend a proper 1 line of credit. 

Kindly let us know by return 1 mail if you desire us 
to ship on the terms stated, and we will put your order 
through promptly 1 . (101) 

Yours truly, 

Mr. F. W. Mayer, 7 

Eiverside 1 , Cal 1 . 
Dear Sir : 

We are enclosing a stamped 1 and addressed envelope 1 
for your convenience 1 in informing 1 us whether the case of 
linens 1 has yet reached you. On receipt of your letter of 
October 1 10 stating that the first consignment 1 was prob- 
ably 1 shipped to Eiverside, Colorado 1 , we at once investi- 
gated 1 and found this to be the case. We immediately 
duplicated 1 the order, and hope that you are now in pos- 
session 1 of the goods. (69) 

Yours very truly, 

Adams Express Co., 8 

Maiden, Mass 1 . 
Gentlemen : 

Please return 1 us the consignment 1 of books made 
over your line to Mr. Nathan McVey 1 , your city. His name 
is a very unusual 1 one, and it may be that there was a slight 
mistake 1 in the address or in your local agent's 1 interpreta- 
tion 1 of it. A representative 1 of the Adams Express Com- 



12 THE COMPLETE DICTATER 

pany wrote us on September 1 24 that the goods had been 
received. We have tried to reach Mr. McVey by mail but 
without success, as he makes no reply to our letters. 

Please see that the box is addressed to us very care- 
fully. We enclose label which you will oblige us by attach- 
ing to it. (105) 

Yours very truly, 

Mr. James F. Gleason, 9 

Keene, N. H 1 . 
Dear Sir : 

We are this afternoon 1 in receipt of the enclosed letter 
from Mr. Bishop 1 . We are writing him today that you are 
on a trip and may be able to visit him the latter part of 
next week. Kindly advise him and, at the sametime, 
acknowledge 1 receipt of this to us. Mr. Bishop says that he 
is rated by Dun at $75,000, and is one of our regular 1 cus- 
tomers 1 . It is true we are selling to him, but his payments 
are slower 1 than we desire. 

We are totally 1 unacquainted 1 with Mr. Martin 1 
whom Mr. Bishop purposes 1 taking into partnership 1 with 
him. It is possible Mr. Martin may bring money to the 
business ; but, of course, if you take orders from them, you 
will have to use your judgment in making terms. (131) 
Yours truly, 

Messrs. Glenn & Taylor 1 , io 

Reno, Nev. \/ 

Dear Sirs : / 

From what Mr. Pierce has reported to us, we have 
been encouraged to believe 1 that you will soon lay in a stock 
of our paints 1 and push their sale. The purpose 1 of this 
communication 1 is to remind you of the matter and to 
express the pleasure we should feel were you to engage 
actively 1 in the sale of these goods. When a dealer 1 carries 
a stock of our brand of paint and interests himself in its 



MISCELLANEOUS 13 

sale, he is enabled not only to build up a good trade in a 
short 1 time, but to establish 1 a permanent 1 business. It 
will give us great pleasure to fill a first order for you in the 
near future. (115) 

Yours respectfully, 

Mr. G. W. Browning, 1 1 

Fargo, N. Dak 1 . 
My dear Mr. Browning : 

I acknowledge 1 receipt of your favor of the 1st instant, 
and am obliged toyou for the interest 1 you display in my 
personal 1 welfare. Just at present, I regret to say, there is 
no possibility 1 of my doing anything in your interest with 
the railroad company. I will keep your correspondence 1 
before me, however, and if anything arises whereby I may 
be able to use your services, I will advise you farther. (72) 
Yours truly, 

Mr. George 1 Cramp, 12 

Kane, Pa 1 . 
Dear Sir : 

We have your favor of the 7th inst. asking us to 
hurry forward 1 shipments of coal. We have been very 
short 1 of cars, but shipped you one yesterday 1 , and will try 
to ship you another this week. Will you please see the 
railroad company at your end of the line and find out if they 
will allow you to have the large steel cars placed on your 
siding? If so, we shall be able to arrange for your plant 
satisfactorily 1 . (80) 

Very truly yours, 

Mr. John Lodge, 13 

Eacine, Wis 1 . 
Dear Sir : 

As you did not honor our sight-draft made on you 
sometime 1 ago, covering the amount of your overdue account 



14 THE COMPLETE DICTATER 

for $14.85, and as we have written you several letters since 
that time asking for remittance 1 , and have not heard from 
you, we beg to advise you that unless this account is settled 
within the next five days, we shall be obliged to place it in 
our attorney's 1 hands for collection 1 . We hope this course 
will not be necessary. (80) 

Yours very truly, 

L. K. Slifer, Esq 1 ., 14 

Freeport 1 , 111 1 . 
Dear Sir : 

We are in receipt of a letter today from Mr. F. W. 
Kelly regarding a small claim we have against the National 1 
Mining Company. He asks us to join with the rest of the 
creditors 1 and pool our interests 1 , and place the property 1 in 
the hands of a trustee. We therefore give you authority 1 to 
act in our behalf 1 , as we are perfectly 1 willing to enter into 
an arrangement 1 of this kind, provided 1 it will give us the 
best results 1 . (80) 

Yours very truly, 

Messrs. Bryan & Fields, 15 

Ithaca, N. Y 1 . 
Gentlemen : 

I have your letter enclosing contracts as stated. 
These papers I have signed and herewith return 1 one with 
my check, dated November 1 1, for $1500 in favor of Day & 
Williams. You are expected 1 to see that Mr. Day furnishes 1 
an equivalent 1 in cash or grain. Do not take anything from 
him in the way of merchandise 1 except grain that he may 
have in his elevator 1 at actual 1 out-going weights. You 
must not invoice his stock on hand at in-coming weights. 

I trust that you will have a successful 1 season 1 and 

that the interests 1 of all concerned will be well looked after. 

Yours truly, (105) 



BANKING 

A. G. Myers, Esq 1 ., Cashier 1 , 16 

Citizens 1 National Bank, 

Concord 1 , N. C 1 . 
Dear Sir : 

In reply to yours of the 11th inst. t we beg to say that 
our facilities 1 for collecting items on points named in your 
letter are very satisfactory 1 . If we anticipate 1 a change in 
the future, it will give us pleasure to take up the matter 
with your bank. (48) 

Very truly yours, 

William H. Peck, Esq 1 ., Cashier 1 , 17 

Third National Bank, 

Scran ton 1 , Pa 1 . 
Dear Sir : 

You are holding for our account a draft 1 on the 
Babcock 1 & Berkley 1 Co., of your city, with bill of lading 
attached 1 , for $438.72. We are instructed 1 by our cus- 
tomer 1 to advise you to notify 1 Messrs. Rosenblack 1 & 
Quimby 1 , of your city, of this draft, and upon the payment 
of the same to deliver to them the draft and bill of lading 
attached thereto. Your kind attention will oblige us. (72) 
Yours truly, 

Henry S. Kromer, Esq 1 ., Sec 1 ., 18 

Steel Building and Loan Asssociation 1 , 
Hartford 1 , Conn 1 . 
Dear Sir : 

We enclose herewith power of attorney 1 executed 1 
by Charles Kelley, transferring 1 to us 10 shares of the capi- 
tal 1 stock of the Steel Building and Loan Association, 12th 

15 



16 THE COMPLETE DICTATER 

series. Please note this transfer on your books and advise 
us as to the withdrawal 1 value of the stock, and also 
whether the same is paid in full to this date. Please give 
the bearer 1 a letter stating that the assignment 1 has been 
made on the books to our order. (77) 
Yours very truly, 

J. P. Keed, Esq., Cashier 1 , 19 

Atchison 1 National Bank, 
Atchison, Kans 1 . 
Dear Sir : 

John T. Mertz & Son telephoned 1 us this morning 
that they would pay the drafts 1 drawn on them by the 
Miller Grain and Flour Co., of $75.50 and $95.60, only 
upon arrival 1 of cars. Shall we hold these drafts or return 
them to you? We advised you yesterday 1 that we had 
charged 1 them back and entered 1 the same for collection 1 . 
Your early advice will be appreciated 1 . (70) 
Yours truly, 

E. V. Baker, Esq 1 ., 20 

Wilmington 1 , Del 1 . 
Dear Sir : 

We enclose herewith for collection 1 and remittance 1 
draft 1 drawn by Holland 1 & Newman on J. M. Pierce, 
Newark 1 , Del., for $25.30, with papers attached, which 
please surrender 1 upon payment. You will note from the 
correspondence 1 that Holland & Newman's check No. 50132, 
drawn to the order of J. M. Pierce, was received and cashed 
by Mr. Pierce, although 1 it did not belong to him. The 
object in drawing the draft is to enable Holland & Newman 
to be reimbursed 1 for the amount. (84) 
Yours very truly, 



BANKING 17 

G. E. Bradfield 1 , Esq 1 ., 21 

Annapolis, Md l . 
Dear Sir : 

Messrs. Hall & Evans have had an account with us 
for over twenty years, and it has been uniformly 1 satisfac- 
tory 1 during all that time. They are doing an extensive 1 
business and stand in good credit both in the trade and 
with us. They are prompt in meeting their obligations 1 , 
and we have every reason to believe that they will success- 
fully 1 carry out any business engagements 1 that they may 
feel like assuming. (71) 

Very truly yours, 

W. P. Barnes, Esq 1 ., 22 

Augusta, Me. 
Dear Sir : 

We have your favor of December 1 5 relative 1 to 
extending courtesies 1 to Mr. Frank H. Bean, one of your 
customers 1 , and at present a student 1 in the department 1 of 
medicine 1 at Columbia 1 University 1 . We have suggested 
to Mr. Bean the propriety 1 of opening a check account with 
us, and he has the matter under consideration. (55) 
Yours truly, 

Mr. Henry E. Litchford 1 , 23 

Raleigh, N. C 1 . 
Dear Sir : 

Your letter of June 17 reached us this morning. 
We notice that you have charged 1 $1.25 exchange 1 , although 
the item was payable without exchange. Please remit us 
this amount. 

We desire to call your attention, as per the enclosed 
envelope 1 , to the fact that the original 1 letter was addressed 
to the " Continental m National Bank, and, of course, was 



18 THE COMPLETE DICTATER 

not delivered to us. It appears that you then mailed it 
without any postage 1 , as we received a notice to send two 
cents to the postmaster 1 , when a letter addressed to us 
would be forwarded 1 . For your inspection 1 , we enclose 
both envelopes in this transaction 1 . (105) 
Yours truly, 

The Union Bank of England, Ltd., 24 

London, Eng. 
Dear Sirs : 

Referring to the 60-day sight-draft of Messrs. Nor- 
cross 1 & Black on your goodselves for £507-8 6, we beg to 
advise you that of this amount £500 is the full amount of 
letter of credit No. 3756 dated London, November 1 25, 1906. 
The balance, £7-8-6, we are paying upon the responsibility 1 
of the drawers, and we hereby give you our guarantee 1 
pending confirmation 1 of the same, which we have asked 
for from your London office. We have forwarded 1 to you 
invoice and bill of lading in duplicate for three cases of 
leather per S. S. Celtic for London for account of Messrs. 
Warren 1 & Strang, by whom the insurance 1 is to be 
effected 1 . (116) 

Yours truly, 

T. W. Hill, Esq 1 ., Cashier 1 , 25 

Cleveland 1 National Bank, 
Cleveland, O. 
Dear Sir : 

We sent you by express on November 1 23 for collec- 
tion 1 , a draft 1 on W. S. McCauley 1 & Sons for $955.20 for a 
$1000 bond of the Cleveland, Elyria 1 and Western 1 Rail- 
way Co., attached 1 thereto. W T e are without return for 
this collection and are at a loss to understand 1 the delay, as 
McCauley & Sons advised us that they were prepared 1 to 



BANKING 19 

pay the draft upon demand. Our customer 1 is daily asking 
information as to the disposition 1 of the draft, and we are 
anxious 1 to accommodate 1 him. Kindly wire us on Mon- 
day morning as to the situation 1 , and oblige (101) 
Yours truly, 

Mr. Leonard 1 C. McCanu, 26 

Meadville, Pa 1 . 
Dear Sir : 

In reply to yours of the 3d iust. regarding a loan, we 
beg to say that as a national bank we cannot handle mort- 
gages 1 or real estate securities 1 as collateral 1 for loans. The 
endorsers 1 you speak of we cannot pass on until you fur- 
nish 1 us with their names and addresses. It is the same 
with a judgment note as with the real estate securities ; our 
committee 1 would not accept a note of that character 1 for 
discount. (76) 

Very truly yours, 

Miss Amanda V. Cronin, 27 

Virginia City 1 , Nev. 
Dear Madam : 

We are obliged to remind you that your account is 
again overdrawn 1 , this time to the extent of $25.10. Please 
present yourself at the bank before three o'clock tomorrow 
and pay this overdraft 1 , or see that funds to this amount are 
sent to us by that time. We must caution you against a 
recurrence 1 of this act, as it not only causes us inconven- 
ience 1 and annoyance, but it prejudices 1 you in the opinion 
of the bank. While we are anxious 1 to retain your account, 
we must insist that you preserve 1 a larger balance with us 
than you have done during the past year. (104) 
Very truly yours, 



DRY GOODS 

Messrs. Maxwell 1 & Bro., 28 

Buffalo 1 , N, Y 1 . 
Gentlemen : 

In reply to your complaint 1 of January 1 3, we w r ould 
state that the mills are doing everything possible to ship 
your goods on order by the end of this month. Cards for 
the various 1 styles go to you today. 

Concerning your order for draperies 1 , we would say 
that we have advices from the mills this morning that two 
cases of taffetas 1 have been shipped to you. The balance 1 
will be shipped as fast as possible. (75) 
Yours very truly, 

Mr. Bernard 1 Kincade 1 , 29 

Washington 1 , D. C 1 . 
Dear Sir : 

Your favors of the 3d and 5th are at hand. Regard- 
ing the sample cards of 4/4 silkalines 1 received by you and 
which you stated you did not order, we would say that we 
have fully investigated 1 this matter and find that the cards 
were intended 1 for J. H. Harkins 1 , Chicago 1 ; so if you will 
please forward 1 the cards to this firm at our expense 1 , we 
shall be very much obliged. 

Regarding the light and dark percales 1 which you 
refer to in your letter of the 5th, we would state that the 
price is now 8| cents, less 10 and 5%. 

The writer will be in your city in the course of a few 
days, and will take pleasure in calling on you and showing 
the stock now on hand. (130) 

Yours very truly, 
20 



DRY GOODS 21 

Messrs. Norton 1 & Ott, 30 

Providence 1 , R. I 1 . 
Dear Sirs : 

We wish to inform 1 you that you will not receive 
the following cases : B G F 19778, P Q R 20643, and 
G H F 14325. We have secured 1 , however, another 1 case 
of P L T and are glad to say that it is a better assortment 1 
than the cases you will not receive. Cards of this style 
will go to you today, together with cards of 44 7/ mohair 1 , 
the price of which is 27 J cents net. We have ordered the 
case of P L T to be shipped to you at once. If this is not 
entirely 1 satisfactory 1 to you, please wire us promptly 1 on 
receipt of this letter, and return the card. (115) 
Yours very truly, 

Messrs. Sylvester & Bros., 31 

Minneapolis, Minn. 
Gentlemen : 

We have yours of the 5th stating that you are not 
interested 1 in the samples 1 of dress goods sent you. We do 
not understand 1 what you mean. The cards representing 1 
MTU 14441 and T I H 17865 are shorts 1 in place of four 
cases, of seconds selected 1 by you, which we cannot deliver. 
They are better assortments 1 , and we do not see why you 
should not accept them. It is probably 1 too late to stop 
shipment of these goods, and when received by you, please 
hold the goods subject to our orders. (94) 

Yours very truly, r^ 

The Holland 1 & Logan Merchandise 1 Co., 32 

Jersey City 1 , N. J 1 . 
Dear Sirs : 

Referring to your letter of the 8th and our reply of 
the 10th, we would say that we find after going into the 
matter thoroughly 1 that the 100 pieces of C W cashmere 1 



22 THE COMPLETE DICTATER 

shipped to you with the wrong ticket, were packed by the 
print department 1 in Columbus 1 last May, and are not 
ticketed with your special numbers. This accounts for the 
mistake 1 , and we do not think that the mills will make any 
mistakes of this kind in the future. As soon as the goods 
reach us, we will forward them to the print department 1 
and have them reticketed according to your wishes. (104) 
Yours very truly, 

Mr. Andrew Hancock 1 , 33 

Newark 1 , N. J 1 . 
Dear Sir : 

We have been advised by our representative 1 in your 
city that you have not yet received the batiste 1 ordered a 
week ago. We are pleased to say that the last ten cases of 
these goods were shipped to you on the 10th inst. The 
shipping receipt showing the date on which the goods were 
forwarded 1 , is enclosed, and it would have been sent earlier 1 
except for a clerical 1 error 1 in the record which had to be 
corrected 1 . We feel sure that the case of batiste will reach 
you within the next forty-eight hours ; if it does not, advise 
us, and we will start 1 a tracer after it. (108) 
Very truly yours, 

The Bullock & Hamilton 1 Co., 34 

Milwaukee 1 , Wis 1 . 
Dear Sirs : 

We have been requested 1 by a number of our custom- 
ers 1 to place orders for them for next fall's R T fleece. 
Although we have received your letter of the 1st informing 1 
us that you would not make this style this year, we think 
that if you could fill the orders we have thus far received 
for these goods, it would be very helpful to us in securing 1 
orders for other lines : therefore, we have neither refused 1 nor 



DRY GOODS 23 

accepted the orders received for these goods. Please let us 
know what you will do in this matter so that we can make 
proper 1 disposition 1 of the orders. (105) 
Very truly yours, 

Mr. Edwin 1 E. Hadley, 35 

New Orleans 1 , La 1 . 
Dear Sir : 

In your favor of the 21st, received today from our 
Pittsburgh 1 office, you request 1 us to book you for the follow- 
ing crepes 1 ; namely, shade G, 75 pieces ; R, 100 pieces ; 
T, 40 pieces ; and W, 50 pieces. We do not know whether 
you intend 1 these for an entirely 1 new order or not, and 
therefore write to ask if such is the case. In this connec- 
tion 1 , also, we would state that the price of these crepes is 
now 11 cents, less 5 and 2 J % . 

Kindly let us hear from you in regard to this matter 
at your earliest 1 convenience 1 , and oblige (101) 
Yours truly, 

Messrs. Canby & Gibbons 1 , 36 

Cincinnati 1 , O. 
Gentlemen : 

Please forward 1 at once all of the quality 1 1820 
batiste 1 , and also send immediately all percales 1 and wash 
goods that may be on order in your different departments 1 . 

As yet we have received none of the grays in the 
RML mohair 1 . We are needing these, as well as the flan- 
nellets 1 , to complete orders now on hand, and would ask that 
you ship us some of these goods without delay. 

We are returning by express today two pieces of B R 
art drapery 1 , which you will see are narrow 1 widths 1 and 
have nail holes driven 1 through the folds. Please send us 
credit for these goods, and oblige ( 108) 
Yours very truly, 



24 THE COMPLETE DICTATER 

Messrs. Adams & Barnes 1 , 37 

San Francisco 1 , Cal 1 . 
Gentlemen : 

We note by your letter of the 10th that you will get 
style 1844 creton 1 tapestry 1 . Our intention 1 was that you 
should purchase 1 taffeta 1 , not tapestry. If our letter did 
not say so, it was probably 1 an error 1 on the part of the 
stenographer 1 . 

We are holding, subject to your shipping instruc- 
tions 1 , cases 10765, 12347, 14755, containing organdies 1 , and 
as we have not received any information from you as to the 
disposition 1 of these goods, we call your attention to them, 
and request that you favor us with a prompt reply. (91) 
Yours very truly, 

Walter E. Parker & Sons Co., 38 

Louisville 1 , Ky 1 . 
Dear Sirs : 

We note that the shipping department 1 has invoiced 
case 38764, B W, as being held for Duncan 1 & Company, 
while we find that the mill's invoice states that this case 
was packed for P. T. Whitman 1 . We are asking the ship- 
ping department to send you corrected 1 invoice. 

Eegarding the delivery of style 1609 challis 1 , we are 
unable to give you any definite 1 information at the present 
writing. We will try to find out from the mill what de- 
liveries can be made and will then advise you. 

Attached 1 you will find your letter from the H. T. 
Butler 1 Company regarding their order for plaids. Accord- 
ing to our records, their shade 1020 has been completed. 
We will do all we can to hasten the remainder 1 of their ini- 
tial 1 assortment 1 , and expect it to be completed within the 
next week or two. At the present writing, however, we 
can do nothing to expedite 1 the shipment of their second 
assortment. (156) 

Yours truly, 



GROCERY 

Messrs. Doyle & Magill, 39 

Hamilton 1 , O. 
Dear Sirs : 

Replying to your letter of the 8th instant, we wish to 
say that your inference 1 is correct 1 with reference to the lot 
of gallon peaches turned over to us by Mr. Eing. These 
goods were originally 1 shipped to Bower &Co., of this city, 
from whom they were transferred 1 to us, we agreeing to 
sell the lot and pay the bill ; but certain lines were not 
entirely 1 satisfactory 1 . We are today making shipment of a 
second lot of samples to Mr. Timms in order that he may 
accurately 1 know the character 1 of the fruit. When the 
balance 1 is removed, we will pay for what we have sold. 
The freight upon the lot has been paid. (115) 
Very truly yours, 

The Russell 1 Grocery 1 Company, 40 

Boston, Mass 1 . 
Dear Sirs : 

Concerning the subject of your letter of February 1 
19, we wish to say that it has ever been our disposition 1 to 
do a reasonable amount of business with your house, and 
the fact that the account has run below what you consider 
the proper 1 amount to warrant 1 the discount you have been 
allowing us, is not entirely 1 our fault. We have been put- 
ting forth our best efforts to increase our purchases 1 , but 
without material 1 result. We have frequently 1 called the 
attention of your local representative 1 to this matter, but 
even this has not bettered the situation 1 between us. To 
withhold 1 the difference between 1 10% and what we have 
been receiving as a discount, may appear to you to be the 
proper course ; nevertheless 1 , it will place us at a decided 

25 



26 THE COMPLETE DICTATER 

disadvantage 1 in a competitive 1 sense in the distribution 1 
of the goods you make. If you really wish us to do a 
larger business with you, do you not think there is a better 
method of effecting 1 this desirable end than by cutting our 
discount ? We shall be pleased to hear further from you. 

Very truly yours, (184) 

Messrs. Parvin 1 & Miles, 41 

Albany 1 , N. Y. 
Gentlemen : 

We have your letter this morning to our Mr. Steel, 
also memorandum 1 bills covering three dozen boxes of 
Wash-Easy 1 Compound 1 delivered to our store sometime 1 
since. These have been placed prominently 1 upon our 
counters 1 , but we are sorry to say that, up to the present 
time, no sales of any consequence 1 have been made. Possi- 
bly a little later on we shall dispose of the compound more 
freely. (68) 

Yours very truly, 

Mr. Joseph E. Lennig, 42 

Princeton 1 , N. J 1 . 
Dear Sir : 

We have your letter dated 19th instant, and gather 
therefrom that it is not your purpose 1 , owing to receipt of 
our letter of Saturday, to do any further hauling. From 
the standpoint 1 of good business, we wrote you about a 
reduction 1 in the rate of hauling on the strength of a better 
rate having been made to us by another 1 person. It was 
not our intention 1 to have one of your competitors 1 do this 
work for us, but if a price of five cents per hundred was 
being made in Princeton, we felt we were entitled 1 to it. If 
another responsible 1 person was ready to do the business for 
this rate, it was certainly 1 our duty to ask you whether you 
were in a position to meet it. W T e are sending our shipments 
to you, as has been our custom, and we expect 1 to pay the 



GROCERY 27 

same rate as formerly 1 ; therefore, we trust there will be no 
delay in the delivery of these lots. It is onr intention to 
continue 1 our business relations 1 with you, but when prices 
of hauling decline, we shall expect to reap the benefit 1 . 

Very truly yours, (188) 

Mrs. William Siddons, 43 

Allentown, Pa 1 . 
Dear Madam : 

In accordance 1 with your order, we will ship you 
today the box of Lenox soap and twenty-five packages of 
Snow Boy powder. We are very glad to receive these small 
orders from you, and hope to have the pleasure of supplying 
your larger needs from time to time. 

At present we have an especially 1 good trade on 
canned vegetables 1 , and take the liberty to quote you as 
follows : 

Wigwam 1 peas, very good quality doz. $0.95 
A. D. spinach 1 , fancy 1 " 1.65 

Ironstone 1 string beans, good " .90 

Marked corn, crushed " .87J 

Autumn lima beans " 1.35 

Kidly advise us if there are any other items upon 
which you wish quotations, and we shall be pleased to sub- 
mit them. (122) 

Very truly yours, 

Mrs. F. M. Matlack 1 , 44 

Alton, 111 1 . 
Dear Madam : 

We are very much gratified 1 with the generous 1 treat- 
ment accorded our Mr. Penton in Lakewood 1 the past few 
days, and wish to thank you for the assistance 1 rendered 
him. 

We have taken the liberty, in the order given him, 
of increasing the quantity 1 of vinegar 1 from five gallons to 



28 THE COMPLETE DICTATES 

sixteen gallons. If at the end of the season yon have any 
quantity of vinegar on hand and wish to return 1 it, we 
shall be glad to pay the return freight charges 1 and render 
you the proper 1 credit. These sixteen-gallon kegs are 
original 1 packages, and while we might fill a five-gallon 
keg specially for you, we find that invariably 1 such packages 
arrive at destination 1 in bad condition. We sometimes 1 
ship five-gallon jugs, but they are not satisfactory 1 either as 
they are frequently 1 broken in transit 1 and thus entail a 
loss. We hope our action in this matter will be satisfac- 
tory. (152) 

Very truly yours, 

Mr. Oliver N. Crawford, 45 

Brockton, Mass 1 . 
Dear Sir : 

Your bill for goods shipped to you on August 7 has 
been handed to me by Mr. Mayer, with the information 
that the flour and sugar 1 arrived in an unsatisfactory 1 con- 
dition, that considerable flour was lost in transit 1 , and that 
the sugar was wet. Whatever loss or damage you have sus- 
tained 1 in this respect 1 , we shall be happy to assume, but 
we trust the goods were signed for as being in this damaged 
condition, thereby enabling us to have the railroad com- 
pany reimburse 1 us. 

Mr. Mayer also states that you complained of the 
prices being high and that you did not receive jobbing fig- 
ures, as you understood 1 would be the case. In reply to 
this we would say that we have been remarkably 1 liberal in 
this particular. The tomatoes sent were the finest 1 the 
writer ever saw, a grade that today we can sell in hundred 1 - 
case lots at $2 per dozen. The olives were what are known 
as 90's, absolutely 1 the very best we can buy in the olive 
line, and which in casks are quoted at the present time at 
$1.46. Ours are purchased 1 on a lower basis naturally 1 , but 
they net us a very small margin 1 of profit. The pails them- 



GROCERY 29 

selves cost us twenty-three cents. Had we not charged 1 
the twenty-five cents for the pails, which is usual, our loss 
on that particular item would hava been eleven cents. 
With respect to vegetables 1 , soaps, sugar, etc 1 , these were 
billed to you absolutely upon a jobbing basis, and we note 
that the price charged you for the Oleine soap is ten cents 
below today's jobbing basis for that grade of soap. 

When again in this city, kindly call to see us and 
give us an opportunity to discuss with you more fully the 
question 1 of prices. (302) 

Very truly yours, 

Mrs. G. L. Knox, 46 

Alameda 1 , Cal 1 . 
Dear Madam : 

I respectfully 1 submit below prices for your consider- 
ation, and will call to see you on Monday, September 1 25 : 

Granulated 1 sugar 1 , per bbl $5.00 

Casco coffee, per lb 18 

Tea, mixed " 23 

Rice, " • 05J 

Rolled oats by bbl 4.60 

Barley 1 , per hhd 2.25 

Shredded wheat biscuit, per case 4.75 

Triscuit, per case 2.40 

Casco flour, per bbl 5.25 

Hams, per lb , . .12 

- Bacon, " 12| 

Macaroni 1 , per lb , 05 J 

Hominy 1 grits, per lb 04 

Dried lima beans, per lb 06f 

Philadelphia Oleine soap, per box 2.05 

Baking powder, 5-lb. cans 60 

Surprise catsup 1 , per doz 1.00 

Hoping there are some items on this list that will 
appeal to you, I remain (132) 

Very truly yours, 



LUMBER 

The William Miller Contracting 1 Co., 47 

49 State Street, 

Boston, Mass 1 . 
Gentlemen : 

We enclose you herewith our list of flooring on hand. 
Please look this over carefully and see if you cannot find on 
it something you can use. We have several hundred thous- 
and feet of \\ ,f lumber from which we could manufacture 1 
1 \ ff flooring. This stock was sawed to make 2\ f/ face floor- 
ing, and as it is of exceptionally 1 good quality 1 , it will run 
largely to clear and long lengths. Our flooring is manu- 
factured in a first-class 1 modern 1 plant and by skilled work- 
men. We give our personal attention to every detail from 
the stump to the final loading of the finished 1 product in the 
car. Please let us hear from you. (114) 
Yours very truly, 

Messrs. Yard 1 & Keid, 48 

Atlanta 1 , Ga 1 . 
Dear Sirs : 

We have your favor of the 17th inst., and in reply 
regret 1 to say that we doubt very much if we could make 
shipment during March of the stock you require. We could 
get out the select 1 stock and the Nos. 1 and 2, but doubt if 
we could send forward 1 all the shop grade within that time. 
We presume the lumber would be wanted for vessel ship- 
ment. We make you, however, prices net to us of $23 
f . o. b. mill on shop lumber, $32.50 for the select, and $36.50 
for the Nos. 1 and 2. You understand 1 you would have to 
add your commission 1 to these prices. (112) 
Yours truly, 
30 



T" 



LUMBER 31 

Messrs. Newell & Dillon, 49 

50 Broadway, 

New York 1 , N. Y. 
Gentlemen : 

We are in receipt of your letter of the 20th relative 1 
to our quotation of recent date on car of 4/4 No. 1 common 
and better chestnut 1 lumber, and in reply we beg to advise 
you that we have received orders for several cars of this stock 
recently 1 , but we shall be glad to have you send us your 
order for a car for shipment during the next two or three 
weeks. Practically 1 all our chestnut lumber is loaded on 
the W. Ya. & P. division of the B. & O., which takes a 
special rate of 24c. on chestnut lumber to New York for 
B. & O. or P. & R. delivery. We are not in position to make 
Pennsylvania 1 delivery either in New York or Hoboken 1 , 
N. J 1 . Our rate to Hoboken for P, &R. R. R. or A. C. R. R. 
delivery is 18^c, or 5lc. below the New York rate ; there- 
fore, you may deduct 1 from the prices quoted $1.75 for ship- 
ment to Hoboken, N. J. (169) 

Yours truly, 

Keys Planing Mill Co., 50 

Graham 1 , Ya 1 . 
(Gentlemen : 

In reference to the boards 1 referred to in your letter 
of the 8th, we would say that they are from sides of bill 
timber, and while kiln dried, the lengths do not run as well 
to 16 ft. as the North Carolina 1 stock. The widths 1 are 4" 
and up, but that kind of lumber does not run heavily to 
stock widths. We hardly know just how the grade would 
run, but should imagine 1 about 75% No. 4 and 25% No. 3, 
according to the North Carolina Association 1 grading. We 
could put a sample shipment in a car with flooring stock or 
ship a small car itself, if you desire. 

We note the prices you can afford 1 to pay for ceiling 
and flooring, and should be glad to have an order for such 



32 THE COMPLETE DICTATER 

stock, as we have a large supply on hand and are anxious 1 
to move it. We do not have on hand much 7/16 No. 2 com- 
mon ceiling, but are making it constantly 1 , so could give 
fairly prompt delivery. It would give us pleasure to receive 
your order for a sample car each of grade flooring and of 7/16 
ceiling, mostly No. 1 common, if you can favor us with the 

same. (205) 

Yours truly, 

The Walnut Lumber Co. , 51 

Richmond, Va. 
Gentlemen : 

Your order No. 622 is in hand. We will have this 
cypress 1 lumber selected so that it will all be of good grade, 
but we should like very much to know the purpose 1 for 
which this stock is wanted. With this information before 
us we should be better able to furnish 1 just what the firm 
wants. We think it well to hold this order until advised by 
you. As this is new trade, we want to give a good deal of 
attention to it, and we do not want to make any mistake 1 in 
shipping what may prove to be unsatisfactory 1 . (101) 
Yours truly, 

Messrs. C. B. Hay ward 1 & Co., 52 

Emporium 1 , Pa 1 . 
Gentlemen : 

We are in receipt of your favor of the 14th inst. , and 
in reply beg to say that we have no stock from which we 
could furnish 1 you 9000 ft. 2 x 4" in either birch 1 or maple, 
unless we were to pick it out of stock of all widths 1 piled 
together. If you will advise us by return 1 mail or wire us, 
we can get out this amount of birch for you and ship it in 
the rough at $20 per M delivered on Philadelphia 1 rate of 
freight, but we would have to know at once, as we are now 
about to ship several cars of 2" birch and could at the same- 
time pick out widths which would make 2 x 4". 



LUMBER 33 

We could furnish you with 3 x 4" beech hearts at 
$16.50 delivered in the rough on Philadelphia rate of freight. 
These are excellent 1 stock, cut last winter from the hearts 
of sound beech timber, and are thoroughly 1 seasoned 1 . 

We thank you for your inquiry 1 , and shall be pleased 

to have your order for either of the above-mentioned stock. 

Yours truly, (189) 

Messrs. Brice Bros., 53 

Thomasville 1 , Ga 1 . 
Dear Sirs : 

Replying to your kind favor of the 11th inst., we 
regret 1 that we do not see our way to quote on your inquiry 1 . 
Our boards 1 , as you will note by list, are made random 1 or 
promiscuous 1 widths 1 , as well as lengths, and it would not 
be practicable 1 for us to furnish 1 stated widths and lengths 
as you have specified. We shall be glad to have your order 
for any of our regular 1 grades of boards, dressed in any way 
you may prefer 1 . If you can use our quotations in this way, 
kindly let us know. (95) 

Yours truly, 

Ward Lumber Co. , 54 

Lynchburg 1 , Va 1 . 
Gentlemen : 

We are in the market for a number of cars of 4-ft. 
standard 1 plastering 1 lath, either hard or soft wood, and 
should like to have your best prices on the same. We can 
place an immediate order for one million feet, provided 
price is right, if you can guarantee 1 delivery of the whole 
within ninety days of receipt of order. 

We also have orders on file for ten or twelve cars from 
various customers 1 , for prompt delivery. If you have any 
lath at all, either in small or large lots, we should like to 
hear from you. When quoting prices, please be sure to 
mention the kind of lath you are offeriDg, how many you 



34 THE COMPLETE DICTATER 

have, how soon you can ship, and on what railroad. All 
prices must be f . o. b. cars, Buffalo 1 . (135) 
Yours very truly, 

John Morgan's Sons Co., 55 

Norfolk 1 , Va 1 . 
Gentlemen : 

We have the following red oak wood which we must 
move promptly, and take the liberty of quoting f . o. b. your 
rate of freight for immediate acceptance 1 , and subject to 
prior sale, as follows : 

I car 4/4 No. 1 common red oak $35.50 

i car 4/4, l's and 2's red oak ....... 45.50 

1 large car 6/4 common and better red oak . 37.50 
1 small car 6/4 common red oak 24.50 

The 4/4 and 6/4 stocks are piled at different points, 
and therefore cannot be shipped in mixed cars of the two 
thicknesses 1 . The stock is well manufactured 1 , runs good 
widths 1 , regular 1 standard 1 lengths, and is in shipping-dry 
condition. We hope you can send us an order. (122) 
Yours very truly, 

Hilton 1 & Dodge Lumber Co., 56 

Savannah, Ga 1 . 
Gentlemen : 

We enclose herewith a specification 1 which is for a 
low grade lumber to be used under the water, and the firm 
concerned want to get the cheapest material 1 that will 
answer the purpose 1 . It is for work on the Champlain 1 
canal for large contractors 1 , and is cash business. We think 
it best to quote f. o. b. vessel, New York, letting them 
attend to the lightering 1 beyond Albany, as we understand 
sail vessels cannot go up that far on account of shallow 1 
water, (82) 

Yours trutyj 



COAL 

Poughkeepsie 1 Glass Co., 57 

Poughkeepsie, N. Y. 

Dear Sirs : 

We take pleasure in naming you a price on Clearfield 1 

3/4 gas coal of $3.35 per gross ton alongside 1 your dock. In 

this quotation we have included for ourselves 4c. per ton 

brokerage, as we are very anxious 1 to secure your business. 

Our principals, the Allegheny 1 and Western 1 Coal Co., 

have made this proposition 1 subject to prior sale. The above 

price would figure back to $1.40 per gross ton at mines for 

shipments all-rail to your plant at Poughkeepsie, on the 

usual rate of freight. This quotation is also made subject to 

advance or decline in railroad freight rates. It is expected 1 

that railroad freights will advance 5c. per ton about the 1st 

of May. (121) 

Yours very truly, 
\ 

Mrs. N. L. Weeks, 58 

234 South Third Street, 

Wilkes-Barre 1 , Pa 1 . 
Dear Madam : 

The policy inaugurated 1 some years ago by the large 
anthracite 1 coal-mining companies, of naming the lowest 
price on household 1 sizes of coal in April of each year and 
adding to this 10 cents per ton on May 1 and an additional 1 
10 cents per ton for each month thereafter 1 to September 1 1, 
inclusive, will again be followed this year. We cannot, 
therefore, too strongly urge 1 our customers 1 to purchase their 
supplies of coal during the month of April, and thereby 
secure the lowest price. For April deliveries of broken, egg, 
stove, and nut sizes, we quote $6.50 per ton of 2240 pounds, 

35 



36 THE COMPLETE DICTATES 

This price is based upon chute deliveries, there being an 
additional charge of 25 cents per ton if coal is carried or 
wheeled 1 into the bin. 

Years of experience enable us to meet the require- 
ments of the family trade with respect 1 to quality 1 of coal 
and proper 1 preparation 1 ; and, having yards in the various 
sections of the city, we can insure prompt deliveries. (168) 
Very respectfully yours, 

Central 1 Coal Mining Co., 59 

Lykens 1 , Pa. 
Gentlemen : 

We confirm 1 telegram 1 sent direct 1 to you by H. 
Lubins, suspending 1 consignments 1 to the Harrison Iron 
Works for the remainder 1 of this week, shipments to be 
resumed 1 next week at the rate of 25 cars per week. 

Messrs. Wills' Sons & Co. have complained several 
times recently of the condition of the pea coal shipped them. 
As they are one of our best customers 1 we must ask that you 
do not ship any more to them except it be in good condition. 

It seems to us that the matter of the siding dispute 

with the Delaware 1 and Hudson Railroad Co. could be 

adjusted 1 better from your office than from here. You must 

remember that we sell the company considerable tonnage, 

and while they need not be handled 1 with undue courtesy 1 , 

yet it might be just as well to concede some of the minor 

points. (154) 

Very truly yours, 

Mr. I. N. Gessler 1 , Mgr 1 ., 6o 

Knickerbocker 1 Coal Co., 

New York City. 
Dear Sir : 

In reference to our telephone conversation 1 , we beg 
to quote you on 5000 to 10,000 tons of Victor 1 bituminous 1 



COAL 37 

coal at your option, to be taken in approximate 1 monthly 
proportions 1 for a year beginning December 1 1, 1907, a 
price of $2.75 f. o. b 1 . New York ports, or $2.60 f. o. b. Phila- 
delphia 1 ports, subject to advance or decline in freight rates. 
Benton coal, as you are aware, loads at Port Heading 1 and 
Port Richmond 1 ; Victor, at South Amboy 1 and Greenwich 1 . 
This quotation is for prompt acceptance 1 , as our tonnage is 
somewhat limited. We can probably 1 take care of tonnage 
in excess of 10,000 tons, if we have early advice. 

We trust you will give this favorable consideration, 
and that we may continue 1 the very pleasant business rela- 
tions already established 1 . (135) 
Yours truly, 

Mr. Louis D. Sloan, Manager 1 , 

Yonkers 1 , N. Y 1 . 6l 

Dear Sir : 

We are in receipt of your letter of the 24th inst., and 
have forwarded 1 your orders to the mines for shipment. We 
note what you say in regard to using rice coal for your 
plant, and will send our Mr. Lewis out to see you next 
Monday. Mr. Lewis is an expert on the use of steam coals, 
and is well posted on the different makes of grates and the 
coal best suited to each. 

In regard to the car of egg coal shipped you last 
week, P. & R. 21354, manifest 3016, would say that this 
was due to an error in shipping from the mines, as we have 
given them positive instructions 1 not to ship to your siding 
anything over a thirty-ton car. We are glad to hear that 
you now have work under way which will so strengthen 1 
your trestle as to enable you to take the largest steel cars, as 
it is becoming more and more difficult for us to procure 
wooden cars in sufficient 1 quantity 1 to supply our custom- 
ers 1 who are unable to take the steels. (182) 
Very truly yours, 



38 THE COMPLETE DICTATER 

New England 1 Manufacturing 1 Co., 

New Bedford 1 , Mass 1 . 62 

Gentlemen : 

We are in receipt of your letter of the 3d inst., and 
have placed your order for pea coal on our books for imme- 
diate delivery. In regard to the price of steamboat 1 coal, 
you are no doubt aware that the price of this size f. o. b 1 . 
mines was increased to $2.75 per ton on December 1 1, so that 
any future shipments we may make to you will be at the 
advanced price. 

We note your remarks with reference to slow delivery 
of your last order. The delay was unavoidable 1 , as it was 
impossible for us to get sufficient 1 cars at the mines. What 
cars we did receive we apportioned 1 fairly among our oldest 1 
customers 1 , and we assure you we did the very best for you 
that we could under the circumstances 1 . 

As regards shipments to Port Reading 1 , we understand 
that the railroad company will raise the embargo 1 there in a 
day or so. As soon as they do, we will ship your order of 
rice coal to that point, giving you notice a sufficient time 
in advance to enable you to have a man on the ground to 
look after the loading of the barges. (198) 
Very truly yours, 

Mr. Frank 1 S. Sargent 1 , 

Pottsville 1 , Pa 1 . 63 

Dear Sir : 

In your letter of the 2d inst. you say that you think 
it w T ould be advisable 1 for us to equip our No. 2 breaker with 
the new Holmes separator 1 . As you know, we have had 
one of these separators in use as an experiment 1 for a month 
past, and have watched carefully the results obtained by its 
use. We find that the larger sizes down to chestnut are 
separated cleanly, but we have been obliged to put several 



COAL 39 

cars of pea and chestnut through the breaker again, as these 
two sizes do not seem to separate as they should. We have 
spoken to Mr. Wood in regard to this, and he believes 1 that 
by adding another and slightly wider flare to the separator 
this defect will be remedied. This change is now being 
made, and I will report the results obtained under it as soon 
as it has been thoroughly 1 tested. (153) 
Yours truly, 

Robert S. Cleeland, Esq 1 ., 64 

Bridgeport 1 , Conn 1 . 
Dear Sir : 

In answer to your inquiry 1 of the 29th ult. regarding 
trade conditions here, w T ould state as follows: Anthracite 1 
trade continues 1 active, due to the prevailing 1 cold weather 
in this section. The demand for this grade comes from all 
points of distribution 1 , and shipments are limited only by 
the car supply, which is gradually improving. 

New England 1 stocks are being greatly reduced, owing 
to the severity 1 of the weather and the continued 1 storms 
along the coast, which'have prevented 1 ocean shipments. 

The bituminous 1 market is suffering at present from 
an over-supply at tide points, and it has been only within 
the last week that railroads have raised the embargoes 1 
placed on shipments at Port Liberty. Because of embargo 
orders, bituminous prices dropped on free offerings for spot 
delivery. 

We quote P. R. R. line prices for bituminous for 
prompt delivery as follows: Martin's Creek, $1.95; best 
Miller vein, $1.50; and Clearfield 1 , $1.20. We quote buck- 
wheat 1 at tide, $2.40; rice, $1.70; barley, $1.40. 

Hoping you will not hesitate to write us should you 
desire any further information, we are (190) 
Very truly yours, 



40 THE COMPLETE DICTATER 

Messrs. Richnian & Taylor 1 , 

Carbondale 1 , Pa 1 , 65 

Gentlemen : 

We are in receipt of a letter from John Smith in 
which he states that the two cars of pea coal shipped to him 
on the 27th ult., manifests 1 L. Y. 1688 and 1689, are in 
poor condition, there being a considerable quantity 1 of slate, 
boney, and dirt mixed with the coal. If this is true, it 
would seem to us that your mine inspector 1 is either careless 
or incompetent 1 . 

We would say in answer to your inquiry 1 regarding 
the twenty cars of stove coal at Greenwich 1 , that we have 
now procured a barge, and the loading will be finished 1 today. 
We shall be charged 1 with three days demurrage 1 , but shall 
have a counter-claim 1 against the railroad company for 
twenty -six tons lost in transit 1 . (125) 
Yours truly, 

McDonnell 1 Wagon Works, 66 

Youngstown 1 , O. 
Gentlemen : 

We received your favor of the 9th inst., and have 
made changes 1 and corrections 1 in your order with us as 
therein directed 1 . With regard to guaranteeing 1 the present 
price on your order for 25 cars of stove coal, would say that 
we have already booked all we can attend to this month ; 
and with a strong likelihood 1 of an advance on the 1st 
proximo, we would hardly feel inclined to do so, unless 
probably 1 on the chestnut size, which is in somewhat less 
demand at present in this market. 

We enclose reply received from the Lehigh Yalley 
Railroad Co., showing that contents of car 41144 to J. C. 
Snyder, Akron 1 , O., was transferred 1 to car 16542 on account 
of wreck at New Brighton 1 . (124) 
Yours truly, 



LIFE INSURANCE 

Mr. George 1 Crissy, 67 

New Haven 1 , Conn 1 . 
Dear Sir : 

I am in receipt of your age card giving your date of 
birth as the 7th day of January 1 , your occupation as that of 
an army officer 1 , and asking for a sample 20-year Endowment 
policy for $5000, for which please accept my thanks. I en- 
close herewith an illustration 1 of said policy, which you will 
see has cash, loan, and paid-up values, the same as is issued 
to a civilian 1 , and at exactly 1 the same rate. This policy 
has many advantages, as you will see, over that issued by 
any other company. I enclose a copy of the permit which 
would accompany the policy, allowing you to travel or reside 
anywhere, under government orders, during the first two 
years of the policy, after which no permit is required, as the 
policy is incontestable 1 for any cause except non-payment of 
premiums 1 . 

I also enclose an application 1 blank which you can fill 
up and sign. Please be examined by your post surgeon, 
and return the papers to me with bill for the doctor's exami- 
nation 1 . I will then secure from the company a policy for 
you in accordance 1 with the above. (187) 
Yours very truly, 

Messrs. Berry Brothers, Attys 1 ., 68 

Richmond, Ind 1 . 
Gentlemen : 

We have yours of the 22d notifying us of the death 
of Mr. John Jjfnnson, insured for $5000 in this company under 
policy No. 10712, and asking the record of this policy. In 
reply we desire to state that this policy was originally 1 made 

41 



42 THE COMPLETE DICTATER 

out to Mary Y. Simson, wife of the insured, but was later 
assigned 1 to J. H. Munn & Co. in consideration of a loan. 
This assignment 1 was afterward 1 released 1 , however, so that 
the policy reverts 1 to Mary V. Simson, wife, who is now the 
beneficiary 1 and who will have to make claim on the com- 
pany for that amount. We enclose herewith pr oof s-of -death 
blanks, which it will be necessary for her to have filled up 
and sworn 1 to before a notary, and return to us, at which 
time the company shall be pleased to make settlement 1 . 

Yours very truly, (142) 

Mr. Frank 1 Pearson 1 , 69 

Salem, Mass 1 . 
My dear Sir : 

I have your letter of the 20th asking for an extension 1 
of sixty days in which to pay your premium 1 of $130.50 
on your policy No. 32234. In reply I wish to state that 
the time allowed in your policy for payment of premium is 
thirty days, but the company will cheerfully 1 grant you the 
extension requested if you will sign the enclosed note for 
the amount of your premium with 60 days interest thereon 
at 6%. (81) 

Yours truly, 

Mr. William Prince, 70 

Atlantic City 1 , N. J 1 . 
Dear Sir : 

It has been intimated 1 to us that you will soon be in 
the market for life insurance 1 . If such is the case, we wish 
to call your attention to the advantages offered by this com- 
pany, which has been in business for over fifty years and has 
never delayed or disputed a death settlement 1 . Although 
not the largest company, ours is one of the bfet, most con- 
servative 1 , and most economically 1 managed. It has received 



LIFE INSURANCE 43 

from its policy-holders 1 $54,000,000 ; it has paid its policy- 
holders over $44,000,000, and now holds for future payments 
over $15,000,000, as per the enclosed statement. The divi- 
dends 1 paid by this company on its participating 1 policies 
have not been surpassed 1 by any other company and equalled 
by only two. We write all forms of insurance, participating 
and non -participating, and hope that if you are in the mar- 
ket for insurance, you will favor us with your application 1 . 
Yours very truly, (152) 

Mr. H. H. Johnson 1 , 

Coatesville 1 , Pa 1 . 7 1 

My dear Sir : 

I am in receipt of your letter of the 19th regarding 
the rates charged 1 by the different companies, and in reply 
will say that the rates of our company will compare very 
favorably with those of our competitors 1 . Furthermore 1 , 
all our participating 1 policies have dividends 1 which can be 
used yearly to reduce the premium 1 cost or increase the 
insurance 1 in event of death or the maturing 1 of the policies. 
Our dividends in the past have averaged 25 % , and while we 
can not reasonably expect that investments 1 today will yield 1 
as large a percentage 1 of interest 1 as in the past, there is 
every reason to believe that the dividends of our company 
will be as good as, if not better 1 than, those of any other 
company. 

If there is anything I can do to assist you in obtaining 
the application 1 in question 1 , please command 1 me. (146) 
Very truly yours, 

Mr. James E. Kelly, 72 

Trenton 1 , N. J 1 . 
My dear Sir : 

I am in receipt of your letter of the 22d inst. asking 
for the maximum 1 loan available 1 under your policy No. 



44 THE COMPLETE DICTATER 

34480 for $5000 in this company. On looking up the record 
of this policy, I find that it was taken out fifteen years 
ago, and therefore has a loan value, as stated in the policy, 
of $1200. If you will kindly 1 sign the enclosed loan note 
for this amount, also have your wife, Martha J. Kelly, sign 
on the second line, and have these signatures 1 witnessed, 
and return 1 the note to me, I shall take pleasure in securing 
settlement 1 from the company. (105) 
Yours very truly, 

Mr. Barclay 1 Parsons 1 , 73 

Omaha 1 , Neb 1 . 
Dear Sir : 

In reply to your letter of the 19th, we respectfully 1 
call your attention to the enclosed circular 1 which fnlly 
describes the advantages of our 20-year L. E. A. policy. 
You will see that this policy costs a little more than the 
regular 1 20-year Endowment plan, but should the insured 
live till the end of the 20th year, he would receive $1500 
cash for every $1000 insured ; should he die before the 20th 
year, or before the policy matured 1 , the beneficiary 1 would 
receive the amount insured. You will observe, therefore, 
that although it costs a trifle more at the outset, in the long 
run it proves the most advantageous 1 for the insured. 

Hoping to be favored with your application 1 , which 
will receive our most careful attention, we are (131) 
Yours very truly, 

C. E. Franklin 1 , Esq 1 ., 74 

Bangor, 1 Me. 
Dear Sir : 

Your letter of the 24th asking the amount of pre- 
mium 1 due on your policy No. 77358, is received. In reply 
we would state that this policy lapsed last June for non- 
payment of premium, at which time you were notified, but 



LIFE INSURANCE 45 

you seemed to disregard 1 all our letters ou the subject. 
However, if you now desire to be reinstated 1 , the policy 
provides for that, and we shall be glad to do what we can 
for you. It will be necessary for you to pass a satisfactory 1 
medical 1 examination 1 , at your expense, and pay the back 
premiums with interest 1 ; but as this policy is several years 
old, we think it would be to your interest to put it again in 
force. If you will kindly 1 sign the enclosed reinstatement 1 
blank and have the doctor fill in answers to the questions 1 
stated, and return the same to us, we will forward it to the 
company for their consideration. (156) 
Yours truly, 

Mr. Morris Frick, 75 

Vicksburg 1 , Miss 1 . 
Dear Sir : 

Your letter of the 22d enclosing proofs of death of 
John C. Smith, has been received. There is a slight dis- 
crepancy 1 between the friend's statement in the proofs and 
the doctor's statement. One gives the insured's occupation 
as " farmer" and the other as "foreman." Please ascer- 
tain 1 the insured's occupation, and if it was foreman, let us 
know the nature of his business so that we may complete the 
blanks. However, to lose no time in the settlement 1 , we 
enclose herewith our check for §5000 which you may pay the 
beneficiary 1 under this policy in exchange 1 for the enclosed 
release properly 1 executed. (103) 

Yours very truly, 

Mr. M. C. Milner, 76 

Saginaw, Mich. 
Dear Sir : 

Replying to your letter of the 22d, in which you ask 
for full information in regard to the investment 1 features 1 of 
the 20-year Gold Bond issued by the Eastern 1 Mutual 1 Life 



46 THE COMPLETE DICTATER 

Insurance 1 Company, we would say that as we do not repre- 
sent 1 that company and know very little about their policies 
or business methods, we are unable to give you the informa- 
tion requested ; but if you should want to know about the 
Gold Bond policies issued by this company, we would 
respectfully 1 call your attention to the enclosed circular 1 
fully describing the same. We do not doubt that our poli- 
cies, as described by the enclosed circular, will cover every- 
thing you desire, but if they should not, and you still desire 
to investigate 1 the policies of the Eastern Mutual, we shall 
be pleased to secure full information for you. (139) 
Yours very truly, 

Charles Easton, Esq 1 ., 77 

Canton, O. 
Dear Sir : 

We have your letter of the 10th stating that you 
desire to surrender 1 your policy No. 31275 for its cash value. 
This policy was taken out fifteen years ago for $5000 on the 
30-year Endowment form, and we find it now has a cash 
value of $2350. If you are in need of ready money, we 
would by all means advise you to make a loan on your policy 
instead of surrendering it for its cash value. You could now 
secure a loan of $2310, out of which would be deducted 1 the 
premium 1 for the coming year and also 6% interest 1 in 
advance on the amount of the loan, which would leave fully 
$2000. You can thus see that by taking the loan you can 
secure ready money and still keep the insurance 1 in force. 
However, if you prefer 1 to take the cash surrender value, 
please advise us, and we will see that the necessary papers 
for signature 1 are forwarded 1 to you. Also please advise 
us promptly 1 if you decide to take the loan. (180) 
Yours very truly, 



FIRE INSURANCE 

George 1 Hooker, Esq 1 ., 78 

Battle Creek, Mich. 
Dear Sir: 

On October 1 15 you called at this office with our 
policy No. 10752 covering property 1 on the northwest 1 cor- 
ner of 7th and Pearl 1 streets, being No. 316 North 7th 
street, which stands on our books in the name of Catharine 1 
B. Groome. You then told us that Mrs. Groome was 
deceased 1 , leaving her mother, Mrs. C. B. Stuart, and her 
children as her heirs, and that there had been no adminis- 
tration 1 of her estate. You also said you would look up 
the deed of trust and see just how the property was left, and 
would then communicate 1 with us. Not having heard from 
you since that time, we again call your attention to the 
matter, as the policy should be set straight. Let us hear 
further from you in relation to this. (132) 
Yours truly, 

Mr. Arthur G. Mack, 79 

Middletown 1 , Conn 1 . 
Dear Sir : 

We beg to acknowledge 1 the receipt of notification 1 
of loss signed by Mary E. D. Mack for claim under our 
policy No. 6867 for $3000 insurance 1 on building No. 40 
North 5th street, which states that the only other insurance 
is $1000 in the Mutual 1 Assurance 1 Company, of this city ; 
and also your detailed 1 estimate 1 of $30 for repairing the 
building, which will be entirely satisfactory 1 to us, and we 
are informed 1 by the Mutual that they will pay their pro- 
portion 1 . We therefore inclose you a receipt in full for our 
proportion, which we will thank you to have signed at your 
earliest convenience 1 by Mary E. D. Mack and John K, 
Doak as executor 1 and trustee of Richard R. Sutton, 

47 



48 THE COxAIPLETE DICTATED 

We would thank you to give this matter your earliest 
attention, as we close our books for the fiscal 1 year the end 
of next week, and we desire to complete the matter before 
that time. (159) 

Yours truly, 

F. A. Paxon, Esq 1 ., . 80 

Jackson, Miss 1 . 
Dear Sir : 

We beg to remind you that as yet you have not com- 
plied with our requests of February 1 28, November 1 13, and 
December 1 14 to have the executor 1 of the estate of Harold 1 
P. Newlin 1 transfer 1 our policy No. 13855 on building 3616 
Engleside 1 place to the present owners, subject to the inter- 
est 1 of the mortgagee 1 , and bring the policy to this office for 
approval, together with a certified 1 copy of the will, or a 
short certificate 1 of his appointment 1 which need not be filed. 

We urge your immediate attention to this matter, 
as otherwise 1 we shall be compelled 1 to take steps to annul 
the policy and to notify the mortgagee accordingly. (Ill ) 
Yours truly, 

Mr. O. K. Baldwin 1 , 8i 

Mobile, Ala. 
Dear Sir : 

Referring to your inquiry 1 by telephone this morning 
relative to the privilege 1 granted under our policy No. 8089 
on building No. 108 North Front street, we would say that 
last July when we found the building was about to be occu- 
pied by three tenants 1 , one of whom was a clothier 1 , we wrote 
to Mr. Black, the agent, notifying him that the rate would 
be increased. On August 1 we received a message, as we 
supposed from you, that the clothier would not occupy the 
upper floor, and we accordingly named a lower rate ; 
namely, one per cent., or $31.34, which was paid to us on 
September 1 4, and the policy was endorsed ' ' privilege to 
two tenants, none more hazardous 1 than a wholesale dealer 



FIBE INSURANCE 49 

in turpentine 1 and wood alcohol 1 ." On September 1 12 you 
telephoned us relative 1 to an additional 1 tenant in the third 
floor, a dealer in pumps, whose business would require the 
use of a gas engine, when we told you that there might be a 
further additional charge of one per cent. In view of this 
fact we must request that the policy in question 1 be brought 
to this office on or before the 25th day of January 1 , together 
w T ith one per cent, additional, or $31.34, receipt of which we 
will indorse 1 thereon, granting the privilege of one addi- 
tional tenant, it being agreed aud understood 1 that no gaso- 
line shall be used in the building. (237) 
Yours truly, 

The California 1 Company, 

Los Angeles 1 , Cal. 82 

Dear Sir : 

Upon examining 1 buildings Nos. 1313, 1317, and 1329 
Erie street, our surveyor reports that he found in many 
rooms gas stoves placed upon wooden boxes with newspaper, 
wrapping-paper, or oil cloth tacked on the wall, in much the 
same way as that which caused the fire in No. 1313. We would 
therefore advise you to see that these defects 1 are remedied, 
also that the stoves are provided with metal or asbestos 1 
sheets underneath 1 them, and that the same metal be used 
to protect 1 the wall paper. In the case of No. 1317, we 
must ask that the tailor in the first story be directed 1 to pro- 
vide himself with a patent can for his benzine 1 , not more 
than one quart of which we allow at any one time. 

If you desire us to continue 1 our policies Nos. 11567 
and 11570 on the said buildings, we must require an addi- 
tional 1 deposit of one per cent., or $90, upon the receipt of 
which we will grant the privilege 1 of an apartment 1 house in 
each, and in the case of No. 1317 we will permit a non-haz- 
ardous 1 store in the first story, withdrawing 1 the former 1 
liberties of communication 1 . (195) 
Yours truly,, 



50 THE COMPLETE D1CTATER 

Mr.* J. E. C. Houston, Executor, 1 

Daveuport 1 , Io. 1 83 

Dear Sir : 

The board of directors 1 of the Chicago Contribution- 
ship 1 have decided that when a contributor 1 dies the policy 
must be transferred 1 by the executor 1 or administrator 1 of 
the estate to the heir or devisee 1 , as a policy is personal 
property 1 , and does not follow the real estate. 

Our policy No. 11259 on building at Broad and Green 
streets stands on our books in the name of John J. Jones, 
owner, with loss, if any, payable to Charles C. Snow, mort- 
gagee 1 . Will you, therefore, as the executor of the estate, 
execute a transfer on the policy to the present owner of the 
property, subject to the interest 1 of the mortgagee; have it 
dated, witnessed 1 , and properly 1 rilled in, and brought to 
this office for approval, for which no fee will be charged. 
We must also put on the policy the following: 
This policy is hereby continued 1 in consideration of 
its being agreed and understood 1 that this company shall 
not be liable beyond the actual 1 value destroyed by fire 
for loss occasioned by ordinance 1 or law regulating 1 con- 
struction 1 or repairs of buildings. 

This makes the policy conform 1 to the standard 1 
policy, both term and perpetual 1 , issued by this company; 
and as by recent decision the liability 1 of this company might 
be increased in the case of a loss occurring under policies 
without this clause, we are making all our policies have the 
same liability. (231) 

Yours truly, 

Mr. Ellis D. Fleisher, 1 

Charlotte 1 , N. C 1 . 84 

Dear Sir : 

Our policy No. 18963 stands on our books in your 
name as owner, with loss, if any, payable to the Fidelity 1 
Trust and Loan Company, trustees, mortgagees 1 , on building 



FIRE INSURANCE 51 

No. 212 South 6th street, for $10,000 insurance 1 at 2%, 
deposit $200. We cannot continue 1 this policy at this 
amount and at this rate, and hereby give you notice in 
accordance 1 with the terms of the policy (giving to either 
party the right to annul the insurance upon notice to the 
other) that the said insurance will be annulled by this com- 
pany on the 23d day of September 1 , 1907. If, however, you 
desire us to continue this policy, we shall be glad to do so by 
reducing the amount of the insurance to $6000 and raising 
the rate to 4%, making the deposit $240, provided you 
will send the policy, together with $40, the amount of 
deposit increase, to this office on or before noon of the afore- 
mentioned 1 date, for the proper 1 indorsement 1 . (170) 
Yours truly, 

Mr. William H. Harper 1 , 

Youngstown 1 , O. 85 

Dear Sir : 

We understood 1 from the message you left at this office 
on Tuesday morning that you had again urged 1 Mr. C. S. 
W. Lee to endeavor 1 to find a purchaser 1 for your property 1 at 
the southeast 1 corner of 5th and Dock streets, this city, and 
also to replace our mortgage 1 of $10,000. We are therefore 
much surprised to learn from Mr. Lee that you had never 
given him any authority 1 in the matter, and that he had not 
attempted to sell the property nor to replace the mortgage; 
nor will he do so until you have given him written authority 
and definite 1 instructions 1 . The property committee at their 
meeting on the 19th instant extended the time in which you 
must pay the principal of our $10,000 mortgage to the first 
day of March. In view of the above circumstances 1 , there- 
fore, you will understand 1 that unless the principal and 
interest are paid in full, on or before that day, the matter 
will be placed in the hands of our solicitor, with instruc- 
tions to begin foreclosure 1 proceedings 1 . (176) 
Yours truly, 



PRINTING 

Montana 1 Life and Trust Company, 86 

Helena 1 , Mont. 
Gentlemen : 

Pursuant 1 to the conversation 1 we held with you over 
the telephone today, we are writing you in reference to the 
Kate Book which we have your order to set and print. 

We find that we have no plates of the Pure Protec- 
tion 1 Policy pages. In view of this fact, we understand 1 
that we are to set these pages, per copy furnished 1 us, 2J 
inches wide and 3J inches long, so that they will be the same 
size as the Annual 1 Compound Dividend 1 Life pages, per 
proof we sent you, and of which we hand you proof here- 
with. In view of these instructions 1 , it will be necessary 
for us to reset the title page and the notice page to conform 1 
with these new directions 1 . Advise us if this is satisfactory 1 
to you. (132) 

Yours truly, 

Wilson 1 Institute 1 , 87 

Cheyenne, Wyo. 
Gentlemen : 

We will manufacture 1 your catalogue 1 and reprints 1 
as follows : 

Catalogue : Six thousand copies of 288 pages, wire 
stitched, for $950 ; if stitched with thread, $30 extra. 
Additional 1 2000 copies ordered at the sametime, $175 per 
thousand, wire stitched ; $5 extra per thousand, sewed. 

Keprints : The understanding 1 is that the type of the 
text only will be standing from the catalogue. 

Department 1 of Commerce 1 : 5000 copies, 24 pages 
text, 20 pages illustrations 1 , $175 ; 10,000, $300. 

Department of Technology 1 : 3500 copies, 40 pages, 
five inserts 1 and cover, $85. 

52 



PRINTING 53 

General Course : 3000 copies, 20 pages, no cover, 
$27.50. This circular 1 to be entirely reset matter, having 
no bearing whatever upon the reprints. (118) 
Very truly yours, 

Mr. George C. Ferguson 1 , 88 

Tucson, Ariz 1 . 
My dear Mr. Ferguson : 

In making out the estimate 1 for the Harper cata- 
logue 1 , please give it to me as follows : 

First. Composition and changes 1 in the various 
plates. Bear in mind that the line on the even side of the 
present catalogue at the bottom is to be cut off, and two 
lines in Italic type are to take its place. These Italic lines, 
I believe, will be changed for every page. 

Second. Presswork 1 in black ink on 20,000 copies, on 
a sheet 38 x 58 — 160 lb., enameled 1 . I believe you have 
presses large enough to take a double-size sheet ; if so, I 
would prefer 1 it. 

Third. Presswork in Ulman U. S. Sepia, double 
tone. Sheets to be delivered to our bindery 1 . Please spec- 
ify the time that you will guarantee 1 to have the sheets in 
our bindery. Copy to be placed in your hands not later 
than the first of January 1 . 

Make me a good price because I am effecting 1 a new 
arrangement 1 with the Harper people. Let me have the 
estimate not later than nine o'clock Tuesday morning. 

Sincerely 1 yours, (177) 

Dr. Thomas B. Hammer, 89 

Little Rock, Ark 1 . 
My dear Dr. Hammer : 

In regard to the souvenir 1 books of the fiftieth anni- 
versary 1 of the Geological 1 Society 1 , I would say, roughly 1 , 
that 500 copies of a book 6 x 9, of three hundred 1 pages, set 
in 10-point type, will cost you about $465 ; 1000 copies, 



54 THE COMPLETE DICTA TER 

$550. These prices are only approximate 1 , as my informa- 
tion is rather indefinite 1 . 

In this connection 1 , I wonld refer you to a communi- 
cation 1 which I received from Dr. John Farley on October 1 
17, in which he asked me for an estimate 1 for the binding of 
several reprints 1 that he proposed using instead of print- 
ing the entire number of pages. I do not know whether 
his suggestion will conflict 1 with yours or not. (116) 
Sincerely yours, 

Mr. F. B. Hazell 1 , Mgr 1 ., 9o 

The Fairbanks 1 Co., 

Denver 1 , Colo 1 . 
My dear Sir : 

I am not clear upon the following points in your 
specifications 1 : For the 100 copies of books that you desire 
to be imposed and run so as to allow for inserting 1 in loose- 
leaf binder 1 , it will be necessary to have an entirely differ- 
ent make-up and make-ready. Is this your understanding 1 
of the job ? 

Will you not look after the reproduction 1 of the 350 
cuts of all styles? This being an indefinite 1 item, it would 
be rather difficult for us to figure upon it. The same is 
true of the names and trade-marks to be removed from cuts. 

Is it your intention 1 that the flies for both books be 
of cover paper such as you showed me ? Are we to print 
directly 1 from the reproduction plates, or do you wish us to 
make electrotype 1 plates of them? (140) 
Very truly yours, 

Joseph A. Conn, M. D., 9a 

St. Augustine 1 , Fla 1 . 
My dear Sir : 

We have your favor of October 17 in regard to bind- 
ing under one cover reprints 1 of papers from various jour- 



PRINTING 55 

nals 1 . This is a very difficult matter upon which to give 
you a precise estimate 1 . We have done work similar to this 
for Bryn Mawr 1 College and the University 1 of Pennsyl- 
vania 1 . It will be a tedious 1 piece of work because all the 
wire stitches of the pamphets 1 will have to be taken out by 
hand, and as the reprints will not be all of one size, great 
care will have to be taken in the binding. For a basis of 
cost to yourself, we believe we could furnish 1 you 500 
reprints, bound with a stiff paper cover, with title page and 
table of contents, at ten cents a copy, or $50. Additional 1 
composition and printing in forms of eight pages would cost 
you $2 a page. (147) 

Very truly yours, 

Mr. Alexander 1 Briggs, 92 

Boise City 1 , Ida 1 . 
Dear Sir : 

Mr. Evans, of the University 1 Extension 1 Society 1 , 
telephoned me this morning in a very vigorous 1 and positive 
manner that you have complained of the proofreading 1 upon 
the two lectures 1 which we have just finished 1 for you. 
Not having your first proof here, we cannot answer your 
complaint, and therefore would request that you return 1 the 
original 1 galley proofs and the page proofs, indicating 1 just 
what mistakes 1 we have failed to correct 1 and what mistakes 
we have made that were not contained in the original proofs. 
Our reputation for good and clean work has been beyond 
question 1 , and if the fault lies at this end, we shall be glad 
to place the blame where it belongs and rectify the error. 
It may be that you have been marking some " low " letters 
which have not printed distinctly 1 on the paper. This 
apparent 1 defect 1 is always remedied in the page proofs 
before printing. (151) 

Very truly yours, 



56 THE COMPLETE DICTATER 

Mr. Theodore W. Ellis, 93 

Phoenix 1 , Ariz 1 . 
My dear Mr. Ellis : 

Regarding pages 29 and 40 of the Treatise on Health, 
which we were obliged to cancel 1 and tip, the publishers 1 
insist that the error is ours for the reason that they O. K.'d 1 
the galley proof which we are returning 1 , and without their 
authority 1 the leads were lifted. They say their responsi- 
bility 1 ended when they passed the galley proofs, and when 
the page proofs came they simply read them for errors. I 
think myself that I have no ground on which to dispute the 
matter with them, since these leads were lifted by your peo- 
ple without calling the publishers' attention to it. The 
trouble is in the sentence 1 beginning with the words " Many 
men make the mistake 1 , ' ' etc 1 . These lines should have been 
double-leaded, if you were going to lift any leads whatever, 
because this sentence had nothing to do with the quotations. 
Very truly yours, (143) 

Professor 1 Walter 1 S. Cornell 1 , 94 

University 1 of Texas, 

Houston, Tex. 
Dear Sir : 

We find it necessary to urge you to furnish 1 us at 
once with the balance of the manuscript 1 for the three lec- 
tures 1 yet to be printed. When we made our figures for 
printing these lectures, it was with the understanding 1 that 
all the manuscript would be in our hands at one time. As 
it is, we have received the three lectures in various sections, 
which has caused an expense to us upon which we did not 
count. When we had our 8-point machine running, it was 
our expectation 1 that all the 8-point matter could be set at 
one time ; and so with the 10-point and 6-point matter. An 
economical 1 machine job is possible only when all the matter 
requiring a given point of type is in hand at the sametime. 
Yours truly, (133) 



ADVERTISING 

Mr. Andrew Wilson, 95 

Advertising Manager 1 , Daily Gazette, 
Kansas City 1 , Mo. 
Dear Sir : 

Mr. John White has called our attention to the fact 
that the Gazette of yesterday 1 (Sunday) contained two adver- 
tisements of the White Optical Company, one of which was 
ordered by this agency and the other evidently running 
under Mr. White's old instructions 1 . Inasmuch 1 as Mr. 
White had given notice to the effect 1 that this agency would 
henceforth 1 place his advertising, at the sametime discon- 
tinuing 1 his previous orders, we would ask that no charge 
be made for the extra insertion 1 . (79) 
Yours truly, 

The Home Development 1 Company, 96 

New London 1 , Conn 1 . 
Gentlemen : 

In answer to your inquiry 1 regarding our ability to 
prepare 1 and place your advertising, we beg to say that we 
shall be glad to handle 1 your account as soon as you are 
ready to go ahead with your campaign 1 . 

Your question 1 concerning the various mediums 1 of 
this city, is one that we are pleased to answer in detail 1 . 
To cover the city thoroughly 1 , we believe it would be nec- 
essary to use only the Evening Journal 1 , the Times, and the 
Recorder 1 . Of the two evening papers, the Journal has by 
far the more representative 1 circulation 1 , covering practi- 
cally 1 the entire 1 field reached by the Tribune, with a large 
surplus 1 distinctively 1 its own. Of the five morning papers, 
the Times and the Recorder reach the great middle-class of 

57 



58 THE COMPLETE DICTATES 

readers that you desire to interest 1 . Your commodity 1 
would not appeal to the exclusive 1 clientele 1 of the Herald 1 , 
nor to the opposite class, which constitutes 1 , in the main, 
the readers of the Item. 

We send you a detailed estimate 1 of a campaign 
embracing an expenditure 1 of $1200, which would serve 
admirably 1 to cover Boston for a month. (184) 
Yours very truly, 

Binghampton 1 Morning News, 97 

Binghampton, N. Y. 
Gentlemen : 

We have yours of March 4 declining our offer for 
advertising the goods of the Vincent 1 Cutlery 1 Co. We 
regret exceedingly 1 your decision in this matter, as we 
figured 1 the proposition 1 carefully and felt sure it would be 
acceptable 1 . The advertisements are of good size, electro- 
typed 1 , and the work will be completed in a comparatively 1 
short 1 time. In fact, we believe 1 you would have little or 
no trouble with the business, and, as it is first-class 1 in every 
respect 1 , we courteously 1 urge your reconsideration 1 and 
acceptance 1 . The w T ork must start at once, however, and it 
is imperative 1 that we know as quickly 1 as possible just what 
papers we can include. We therefore hope you will not 
delay the matter, bat will send your acceptance immediately 
upon receipt of this letter. (131) 

Very truly yours, 

Mr. Johnson Wright, 98 

Advertising Manager 1 , The Sun, 
St. Paul, Minn. 
Dear Sir: 

We have today received a complaint from Fitch & 
Robeson who have been placing financial 1 business with the 



ADVERTISING 59 

Sun through this agency regularly 1 for some weeks. This 
advertising is invariaby 1 ordered on the financial page, since 
this position is virtually 1 the only place in the paper which 
will do them any good. Friday's advertisement (May 10) 
was ordered for this position, and appeared on the financial 
page in the first edition. It was, however, switched 1 to 
another page in all of the later evening editions. Messrs. 
Fitch & Kobeson decline to pay for this advertisement unless 
it be given another insertion 1 , and we trust you will see 
to it that it is printed in some of tomorrow's editions. 

Very truly yours, (119) 

Messrs. MacAllister 1 & Simpson 1 , 99 

Knoxville 1 , Tenn. 
Gentlemen : 

We have just been informed 1 by the Louisville Even- 
ing Dispatch that their rate for foreign advertising would be 
increased on May 1 from 25 to 30 cents per line. This 
would affect 1 the advertisements of the Premo cigar 1 which 
we have been placing in the Dispatch for you for some 
months past. As you are aware, your present contract with 
the Dispatch for 5000 lines secures for you a rate of 22 cents 
per line. Under the new rate-card, you would be obliged, 
at the expiration 1 of your contract, which will be within a 
few days, to pay 27 cents per line. In our judgment the 
results you have been securing through this paper are such 
as to justify 1 your continuing 1 the advertising for sometime 1 , 
even at the increased rate. We could, of course, keep the 
advertising within your appropriation 1 by reducing the size 
of the advertisements from 100 lines to 66 lines, three times 
a week, as at present, or we could reduce the insertions 1 to 
twice a week. 

We trust you will advise us at your earliest conveni- 
ence 1 as to the course you wish us to pursue 1 . (190) 
Very truly yours, 



60 THE COMPLETE DICTATER 

The Emerson 1 Advertising Agency, IOO 

Montreal 1 , Can 1 . 
Dear Sirs : 

We are today sending you, under separate 1 cover, 
cuts for newspaper advertising. These are the old-style line 
drawings, a kind of cut for which you ask and which we 
have found to be most generally preferred 1 . In connection 1 
with our engravings used last year, we want to say that 
they were made from half-tones 1 which were recommended to 
us by the firm then making our cuts, as the best for the 
purpose 1 . Some of the advertising which we saw early in 
the season, made from these cuts, appeared very well. 
Later, however, while we had very few complaints, we 
nevertheless 1 found that the plates made from half-tones 
yielded 1 generally unsatisfactory 1 results. This was exceed- 
ingly 1 disappointing 1 to us in view of the fact that such 
plates were much higher priced than those made from line 
drawings, and should have accorded us better results. We 
trust you will find the cuts sent to you today perfectly 1 
satisfactory. (158) 

Yours truly, 

Mr. John Parry, IOI 

Fort Smith 1 , Ark 1 . 
Dear Mr. Parry : 

We are in receipt of your letter of yesterday 1 calling 
our attention to the fact that the picture 1 appearing in your 
advertisement of last Sunday was in outline and not in 
"stipple 1 " as you desired. We have taken this matter up 
with the advertising manager 1 of the Ledger, and he declines 
to violate the paper's absolute rule in permitting only out- 
line pictures and outline type to be used in display adver- 
tisements. We explained this to you when we were pre- 



ADVERTISING 61 

paring 1 your campaign 1 in the Ledger, but it has evidently 
escaped your memory. As you may know, this bas been a 
policy with the paper since its foundation 1 . 

We think the publicity 1 you desire is secured just 
as well through the outline picture used last Sunday as 
it would be through a drawing of another nature, and we 
hope you, too, will take this view of the matter and allow 
the cut to remain as it is. (157) 

Yours truly, 

The Armstrong 1 Manufacturing 1 Co., 102 

Rochester 1 , N. Y. 
Gentlemen : 

With the booklet recently 1 sent you was a letter in 
which we asked you two pertinent 1 questions 1 . Have you 
answered them in your own mind? If you remember, we 
pointed out the vital interest 1 each of these questions 1 bore 
in relation to your business. We have made a profession of 
minding other people's business. If we did not we could 
not possibly direct successfully 1 the advertising accounts 
placed in our hands. From the minute your advertising is 
turned over to the Bailey Agency, your establishment 1 , your 
trade, and your system become the objects of close study by 
an experienced 1 advertising man. Within a comparatively 1 
short 1 time we learn to know the peculiar 1 demands of your 
business better than you yourself know them — that is, 
from the standpoint 1 of its publicity 1 — because we study 
it primarily 1 from the public's 1 viewpoint. We have 
never lost an account through failure to understand 1 the 
details of a client's business, or through lack of busi- 
ness detail in attending to the demands of his adver- 
tising. (169) 

Yours very truly, 



REAL ESTATE 

Mr. Frank Sommers, 103 

Evansville 1 , Ind 1 . 
Dear Sir : 

Do you wish to rent your house at Evansville fur- 
nished 1 for the summer months? If so, we would advise 
you to list it with us now, as we can get a better rental 1 for 
it if it is listed with us early in the season. We have two 
or three desirable persons to whom Ave can offer the property 
at once, and we shall be glad to take up the matter with 
them, if you care to have us do so. 

The demand for furnished houses is greater this spring 
than for some years past, and we have every assurance that 
if you place the renting of your property in our hands, we 
can secure a good tenant 1 for you at an increased figure 1 
over last year's rate. (128) 

Yours very truly, 

Mr. Richard 1 Perkins 1 , 104 

Indianapolis 1 , Ind 1 . 
Dear Sir : 

According to your request, we have released 1 Mr. 
Merrill 1 from the house on Bloomingdale 1 avenue from 
November 1 1. Mr. Merrill still owed us one-half month's 
rent, which he calculated 1 by the day when sending us his 
check, instead of reckoning it by the half month. The dif- 
ference in this calculation 1 is $3 in your favor. As the term 
of the lease would have extended three months longer, the 
balance of commission 1 due us upon the first year's rental 1 
would entitle us to a commission of $4.50. We have there- 
fore deducted 1 this amount, and herewith enclose check for 
the balance. Will you kindly write us a letter releasing 
Mr. Merrill from further rental upon the property 1 ? (118) 
Yours respectfully, 
62 



REAL ESTATE 63 

.Mr. Edward 1 B. North, 1 05 

San Antonio 1 , Tex. 
Dear Sir : 

If you still have for sale the property 1 near 13th 
street and Dickson avenue, particulars of which you left at 
our office several weeks ago, we shall be obliged to you if 
you will let us hear from you as soon as possible, as we 
desire at this time to buy some cheap houses in that section 
of the city. We are not acting as agents in this matter, but 
wish to purchase as principals, and therefore shall appreci- 
ate 1 a reply to this communication 1 . . (84) 
Very truly yours, 

Mr. John Johnson, 1 06 

Elizabeth 1 , N. J 1 . 
Dear Sir : 

We have your favor of the 26th regarding the prop- 
erty 1 which you recently 1 purchased at Bristol 1 , Pa. You 
state that there are no restrictions 1 specifically 1 mentioned 
in the deed, but we think you will find upon closer 1 exami- 
nation 1 that the words "under and subject to the restrictions 
therein mentioned " appear. This refers to the deed cover- 
ing the entire 1 property prior to your purchase of a part of 
the said tract, which specifies the price of the house to be 
built, distance 1 required to be set back from the street, etc. 
A copy of these restrictions we herewith enclose. (98) 
Yours very truly, 

Mrs. Anna L. Brooks, 107 

Saginaw, Mich. 
Dear Madam : 

We regret that we have been unable to make settle- 
ment 1 for you for the house on Wallace street, but several 
difficulties have arisen that may postpone 1 the settlement 



64 THE COMPLETE DICTATES 

for two or three weeks. One-fchird interest 1 in the place is 
held by a trustee as a life estate for a beneficiary 1 who at 
present is under age. While the will of the former 1 owner 
empowers 1 the executors 1 and trustees to sell and make a 
suitable conveyance 1 , a confirmation 1 of sale must be ob- 
tained from the Orphan's 1 Court. to make the conveyance 
valid. (91) 

Yours very truly, 

S. E. Bateman, Esq 1 ., 108 

Covington 1 , Ky 1 . 
Dear Sir : 

Regarding the terms of the lease upon the property 1 
in Stenton 1 , we have to say that the owner is willing to lease 
the house to you from March for one year, at $60 a month, 
with the privilege 1 of renewal 1 for one year at the same fig- 
ure 1 . The option to purchase he will give as follows : If at 
any time during the term of your lease he should receive 
from any other person or persons a bona fide offer for the 
premises, such as he would accept, he agrees to give you five 
days written notice to that effect, 1 and if you do not take 
advantage of the option given, he reserves 1 the privilege to 
sell to other persons at any price or terms that he may see 
fit, possession to be given at the expiration 1 of the then- 
existing term. 

Kindly advise us if you will accept his offer. ( 151 ) 
Yours very truly, 

Mr. Herbert 1 Longstreth 1 , 109 

411 State Street, 

Chicago, 111. 
Dear Sir : 

Our collector 1 advises us that yqu have refused to pay 
your rent of $22 which was due November 1 1, as well as the 



REAL ESTATE 65 

$22 which was due December 1 1, making $44 in all. He 
also says you made the statement that the rent paid by you 
when you leased the house on September 1 17, which was to 
have been applied for the month of October 1 , was to be cred- 
ited to you for rent due December 1. Such an adjustment 1 
is absolutely 1 out of the question 1 , and we are therefore 
under the painful necessity of advising you that unless we 
receive your check by return mail for the rent now due, we 
shall be forced to place the matter in the hands of the con- 
stable. Trusting you will prevent 1 our having to take such 
drastic 1 measures by favoring us with an immediate remit- 
tance 1 , we are (147) 

Yours very truly, 

Mr. C G. Fenton, HO 

1918 Bond Street, 

Kansas City 1 , Mo. 
Dear Sir : 

We enclose herewith deed for the Main street proper- 
ties 1 , and would state that settlement 1 in this matter is to 
be made at the German 1 -American 1 Title Company's offices 
on Thursday, November 1 30, at eleven a. m, It will be 
necessary for you to have the deed executed, acknowledged 1 
before a notary public 1 , and presented at the settlement. 
Will you also have with you at that time the leases for all 
these properties, duly assigned to the new owner, as well as 
the fire insurance 1 policies accompanying the mortgages 1 , 
and the last mortgage interest 1 receipts ? 

If you can arrange to let us have a report tomorrow 
of the standing of the tenants 1 and a statement of the mort- 
gage interest, it will greatly facilitate 1 the preparation 1 of 
the figures 1 for the settlement and save time when we meet 
at the trust company . (140) 

Yours very truly, 



66 THE COMPLETE DICTATES 

The Griggs Realty 1 Co. , ill 

Duluth, Minn. 
Gentlemen : 

We hand you herewith settlement 1 certificate 1 No. 
85690 of the Real Estate Title Insurance 1 and Trust Com- 
pany, together with bill covering charges 1 on the same. 
The title company is at this time examining the deed which 
we have prepared 1 for the conveyance 1 of the ten properties 1 
to James Montgomery 1 , and as soon as it is approved and 
returned, we will forward it to you in order that you may 
prepare your deed and advise us when your client wishes to 
make settlement for 2714, 2720, and 2726 Gould street. 

Very truly yours, (89) 

Messrs. F. W. Dixon & Brothers, 1 12 

Dayton, O. 
Gentlemen: 

In the matter of the Diamond street property 1 sold at 
public 1 sale on the first Monday of September 1 and which 
we bought for $1500, we would say that the following 
charges 1 represent 1 the claims which should be paid to 
reimburse 1 us fully: 

Judgment $2556.95 

Interest from August 3, 1906 10.65 

Sheriff's 1 costs 60.27 

Water rent for 1906 16.00 

Taxes (calculated 1 to October 1 1, 1906) 

1903 53.98 

" 1904 58.75 

" 1905 52.76 

" 1906 45.90 

$2855.26 

In addition to the above, there is the cost of locality 1 
search claim of $1.50, also a distribution 1 policy. You will 
recall 1 , too, that there is an unsettled 1 question 1 raised by 



REAL ESTATE 67 

the title company with reference to a mechanic's 1 lien. 
This you tell us was created after the execution of our mort- 
gage 1 , and that our policy protects 1 us from it. In fixing a 
price for the sale of the property, however, it might be well 
to dispose of this question 1 . (170} 

Yours very truly, 

Mr. George R. Richardson 1 , 113 

Salt Lake City 1 , Ut 1 . 
Dear Sir : 

We desire to advise you that the searches taken out 
against your property 1 disclose a lien for sewer claim 
amounting to $120, and the Realty 1 Trust Company, who 
hold the claim, threaten 1 to enter suit tomorrow unless this 
is paid. After talking the matter over with them, we have 
succeeded in holding them off until Tuesday of next week. 
We have not received from the income of the properties we 
are holding as security 1 an amount adequate 1 to take care 
of this claim. Kindly advise us at once what you will do 
in the matter. (96) 

Yours truly, 

Mr. Charles Patterson 1 , 114 

Charleston 1 , S. C 1 . 
Dear Sir : 

We have before us your favor of recent date, in which 
you ask for an explanation 1 of the charge 1 on your rent 
statement of 75c. for notary acknowledgment 1 . In this con- 
nection 1 , we beg to advise you that we find upon investiga- 
tion 1 that our notary public 1 took your acknowledgment on 
deed for the property 1 you transferred 1 to Mrs. Mary F. 
Simpson 1 at Old Point Comfort, and as this instrument 1 had 
to be sent out of the state for recording purposes 1 , it was 
necessary to obtain the prothonotary's 1 certificate 1 showing 
the authority 1 of the notary to take such an acknowledgment, 
which certificate cost 25c. 



68 THE COMPLETE DICTATER 

In reference to your request for your mortgage 1 papers 
in connection with this transaction 1 , we beg to say that they 
have not yet come off record, but in all probability 1 they 
will be forwarded 1 to us within a week or so. (144) 
Yours very truly, 

Mr. James E. Bower, Il5 

Peoria 1 , 111 1 . 
Dear Sir : 

Mr. Harold 1 F. Perry, the purchaser 1 of 2028 Wilson 
avenue, has frequently 1 communicated 1 with us regarding 
your bond insuring against mechanic's 1 liens and municipal 1 
claims. This settlement 1 was made by our Mr. Graham 1 on 
February 1 24, 1907, and we have written to the purchaser 
explaining 1 to him that the bond was apparently 1 over- 
looked 1 at that time and that it would be useless to get it 
now, as the time for filing such claims has expired 1 . How- 
ever, he persists 1 in asking for it, saying the mortgagee 1 
insists upon having it; and as Mr. Graham is still out of the 
city, we are writing to ask whether you can suggest any 
manner in which we can facilitate 1 matters in having this 
bond prepared 1 for him. (123) 

Very truly yours, 

Mr. Robert Snyder, Ii6 

Lancaster 1 , Pa. 
Dear Sir : 

I find that a friend of mine has a small farm of about 
thirty acres located on the main line of the Pennsylvania 1 
Railroad, about a mile north of Frazier. He values it at 
$8000, but is willing, before selling it, to place a first mort- 
gage 1 on it of about $4000. The house and all the buildings 
are in good condition, and a stream of water runs through 
the farm. He prefers 1 to sell for cash, although he might 



REAL ESTATE 69 

consider a trade. Knowing that you desire to secure a farm 
of this size, I shall be glad to make an appointment 1 for you 
to examine it if you will call me on the telephone at an early 
date. Owing to the excellent location, it should be valuable 
from a speculative 1 as well as an investment 1 standpoint 1 . 
Let me hear from you if you are interested 1 . (147) 
Yours truly, 

Mr. Thomas Winton, 

Utica 1 , N. Y. 117 

Dear Sir : 

Sometime 1 ago you stated to us that you would take 
up any small pieces of ground in Utica that would be offered 
in exchange 1 for good equities 1 , and we are therefore sending 
you herewith sketches of two lots recently brought to our 
attention. 

Block A is in a rapidly growing locality 1 and is valued 
at $20, 000. There is at present a first mortgage 1 on it of $12, - 
000 at 5 per cent. The house standing on the southeast 1 
corner of this plot is in good condition, and perhaps 1 it 
would be well to permit it to stand, as it is now bringing $35 
per month, being a three-story, ten-room dwelling with back 
shed, porch, and all conveniences 1 . The lots facing the 
avenue are 16 x 85 ft., and those on the cross streets are 
15 x 75 ft. 

Block B represents 1 a strip of ground extending along 
the north side of Park avenue, being 490 ft. in length and 
60 ft. in depth. The price is $18,750, and the encumbrance 1 
on it amounts to $10,000 at 6 per cent. Park avenue is not 
improved at this point but can be dedicated 1 at any time, as 
the owner of the lot also owns the bed of the street, and in 
case of a sale of the lot he will dedicate the street. 

Kindly advise us whether either or both of these 
propositions 1 meet with your approval. (241 ) 
Very truly yours, 



70 THE COMPLETE DICTATES 

Miss Julia Harrison, 118 

Manchester 1 , N. H 1 . 
Dear Madam : 

In paying the water rent on your property 1 up to 
January 1 1, we find that the bill amounted to $6.88. As this 
was for only a small portion of the year — from November 1 
1 to January 1 — we would call your attention to the fact 
that the terms of your lease provide that all water rent in 
excess of $20 per annum shall be paid by the tenant 1 . This 
bill would therefore indicate 1 that there is either waste or 
leakage, and we would suggest, for your own benefit, that 
you watch this matter and find out if there are any leaks. 
If so, and you will so advise us, we will have the necessary 
repairs 1 made for you at once. (122) 
Yours very truly, 

Cyrus M. Divine, Esq 1 ., 1 19 

Pawtucket, R. I 1 . 
Dear Sir : 

In answer to your inquiry 1 regarding the best terms 
we can procure for you upon the property 1 at Merion, we 
would advise as follows : $5000 may remain in the existing 
first mortgage 1 at 5. 4 per cent, for three years, the mort- 
gagor 1 or his assigns 1 having the privilege 1 of paying off the 
same at any interest 1 period. $2000 may remain upon the 
existing second mortgage at 6 per cent., but this encum- 
brance 1 is due within six months and must be paid at that 
time. A building association 1 has promised to loan us 
$2500 and take up the second mortgage when it becomes 
due. They do not wish, however, to take $500 now and 
the $2000 in six months ; so we would advise you to give us 
a judgment note for the $500 until the expiration 1 of the 
second mortgage, and then make the application 1 to the 
building association for the full amount. (156) 
Yours truly, 



LAW 

Frederick 1 R. Holmes, Esq 1 ., 120 

York 1 , Pa. 
Dear Sir : 

Accept my thanks for your letter of the 28th instant 
and the letter of Messrs. Jones, Carter & Hune of the 29th 
instant, enclosing check to the order of Mary R. Thomas for 
$300.15. I also acknowledge 1 receipt of ten cents in stamps 
to cover shortage 1 on check payable to the order of Burton 
Thomas. The check and stamps have been turned over to 
the respective 1 persons. 

I regret that the balance of your fee for service ren- 
dered 1 the estate of G. S. Pierce has not been paid. I 
expect 1 , however, that since this additional 1 distribution 1 of 
principal has been made, checks will soon be received, when 
we will at once forward 1 the balance due you. (117) 
Very truly yours, 

American 1 Boiler 1 Company, 12 1 

Fort Wayne 1 , Iud 1 . 
Gentlemen : 

I have to advise you that suit was brought against 
the Union Cold Storage 1 Company in the Superior 1 Court of 
Chicago on the 17th of last October 1 , and the defendant 1 filed 
a plea denying all liability 1 . Owing to the congestion 1 of 
the courts in Chicago, I doubt very much whether the case 
will be reached for trial before September 1 or October of this 
year ; however, it may possibly be sooner. My legal repre- 
sentative 1 in Chicago has copies of all the original 1 corre- 
spondence 1 in the case, and I will therefore ask you to send 
me the originals themselves so that I may determine 1 what 

71 



72 THE COMPLETE DICTATER 

dispositions 1 are necessary, after which I will return the 
originals to you. 

If I remember rightly 1 , the sale was made by your 
Mr. Hayes or one of his representatives, and that the rest of 
the contract was in writing. If you sent a specification 1 or 
estimate 1 which was subsequently 1 converted into a contract, 
I shall be pleased to receive either the original or a copy 
of it. (170) 

Yours truly, 

R. S. Grant, Esq 1 ., Clerk, 122 

County Court, 

Petersburg 1 , Va 1 . 
Dear Sir : 

I enclose herewith for recording in your office deed 
from R. T. Stokes to Tidewater 1 Company, which please 
admit of record immediately and wire me the name and vol- 
ume 1 of the record book in which it is recorded and the page 
at which the record begins. At the sametime, please mail 
me a memorandum 1 of the amount of the recording fee so 
that I may be enabled to send you a check by return mail. 
Do not delay the recording of the deed in order to receive the 
recording fee, as it is necessary that the matter should be 
attended to at once in order that papers may be executed 1 
on Monday the 6th instant. (115) 
Yours truly, 

Hon. Robert Graham 1 , 123 

Secretary 1 of the Commonwealth 1 , 
Harrisburg 1 , Pa. 
Dear Sir : 

I send you herewith the application 1 for a charter 1 
for the Niagara 1 Power Company. Kindly inform 1 me at 



LAW 73 

your early convenience 1 if this charter is now in such form 
that it will be granted, giving me at the sametime the 
amount of the bonus tax, the fees of your office, and the date 
(leaving sufficient 1 time for publication 1 ) to be inserted 1 in 
the advertisement as the date on which application for the 
charter will be made. (76) 

Very respectfully yours, 

ArthurS. Jones, Esq 1 ., President, 124 

Canadian 1 Banking Company, 
Quebec 1 , Can 1 . 
Dear Sir : 

In accordance 1 with our conversation 1 this morning, 
I have advised Mr. Henry T. Brown who has charge of the 
stock subscription 1 lists of the Sterling 1 Life Assurance 1 
and Trust Company, now in course of formation, that the 
charge of the Canadian Banking Company for receiving and 
receipting for payments on account of the subscriptions to 
capital 1 stock, and afterward 1 exchanging its deposit 
receipts for stock certificates 1 , will be $250. Against this 
the Canadian Banking Company will allow interest on cur- 
rent 1 amounts of money so received at the rate of 2 J per 
cent, per annum. (94) 

Yours truly, 

David 1 E. Harvey, Esq 1 ., 125 

Wabash 1 , Ind 1 . 
Dear Sir : 

Mrs. Sarah Willing, of this city, has placed in my 
hands for collection 1 six months interest 1 on mortgage 1 of 
premises 1 234 Green street, at 5.4 per cent., due November 1 
30, 1906, amounting to $70.75. If this interest is not paid 
and the tax receipts delivered to me at once, in accordance 1 



74 THE COMPLETE DICTA TEft 

with the provisions 1 of the mortgage, I shall be forced to 
proceed to the foreclosure 1 of the mortgage. 

Kindly let me hear from you immediately. (77) 
Very truly yours, 

Mr. John R. Bingham 1 , . 126 

Warren 1 , Pa. 
My dear Sir : 

Mr. James T. Lacey in his letter of the 23d instant 
forwarded 1 to me the enclosed draft of a lease in duplicate 1 , 
dated the 20th instant, for right of way for a ditch. If you 
find it satisfactory 1 , there is no objection to the execution 1 
of it in its present form. You can call a meetiDg of your 
board of directors 1 to authorize 1 the execution of it, or you 
can execute it and let it be ratified 1 afterward 1 by your 
board. If it is not satisfactory, it should be returned to me 
with such criticisms 1 as you think proper 1 to make, and I 
will rewrite 1 it accordingly. (106) 
Yours truly, 

George Lawrence 1 , Esq 1 ., 127 

Rock Hill, S. C 1 . 
Dear Sir : 

Accept my thanks for your letter of the 8th instant, 
which I have carefully considered. I do not think a suit in 
equity 1 would lie under the circumstances 1 , until we had 
secured judgment. When you have perfected 1 your plead- 
ings, will you be kind enough to send me a copy of our 
files ; and then anticipating 1 our judgment, you might 
make a draft of the bill in equity, setting out the grounds 
upon which we pray relief 1 . If you will send this draft to 
me, I will give it my attention and return it to you in 
ample time to have it filed. (102) 

Very truly yours, 



LAW 75 

Henry R. Baker., Esq 1 ., 

Schenectady 1 , N. Y. 128 

My dear Mr. Baker: 

Pursuant 1 to your request, I beg to enclose herewith 
my account for services rendered 1 in the case of Silver 
Lumber 1 Company vs. John R. Benner, Receiver. I have 
been somewhat at a loss to determine 1 the amount of the 
fee in this case, owing to the peculiar 1 circumstances 1 
of the collection 1 , and I should be glad to have you 
take this as merely an indication 1 of my opinion 1 . If it 
should seem to you either too large or too small, I beg* 
that you will alter it to suit your ideas of what a proper 1 
remuneration 1 would be under the circumstances. (100) 
Very truly yours, 

I. H. May land, Esq., 129 

Lincoln 1 , Neb 1 . 
My dear Sir : 

I beg to advise you of my intention 1 to appeal from 
judgment in the case of Moore vs. Wilkins 1 on Wednesday, 
July 1, and I propose on that day to make application 1 for 
approval 1 of the following surety 1 in the sum of $1500 : 
Morris E. Brennon 1 , who resides at 1416 Prince street, Lin- 
coln, which property 1 is in his name and was purchased by 
him from William E. Hunt, the deed being recorded in the 
name of Morris E. Brennon. The value of the property is 
$15,000, and the only lien against it is a first mortgage 1 of 
$5000. 

If Wednesday will not suit your convenience 1 , I will 
postpone 1 application for approval until Thursday or what- 
ever time may suit you, in order that you may investigate 1 
the surety. (130) 

Very truly yours, 



76 THE COMPLETE DICTATER 

Messrs. Smith & Crosman, 130 

Pasadena 1 , Cal 1 . 
Dear Sirs : 

In answer to your letter of the 1st inst., I must say 
that while I am disposed to leniency 1 , as you must have 
gathered from my letters, nevertheless 1 I am compelled to 
follow instructions 1 given me by my client, the Union Steel 
Casting Company. I read them your letter, and they state 
that if you cannot pay the monthly installments 1 , they will 
get a judgment against you without further delay. I asked 
them if they would wait until next Monday for the install- 
ments in arrears 1 . They are willing to do this, but if the 
money is not forthcoming 1 at that time, I am instructed 1 to 
bring suit against you at once. I trust this will not be nec- 
essary and that you will send me a check for the back 
installments at your very earliest convenience 1 . (136) 
Yours truly, 

Joseph Herman 1 , Esq., Vice-Pres 1 ., 131 

Western 1 Coal and Coke Company, 
Birmingham 1 , Ala. 
Dear Sir : 

On May 14 I sent you the supplemental 1 mortgage 1 
of the Western Coal and Coke Company, covering the three 
tracts of land upon which there remain unpaid purchase- 
money mortgages. I did this in order that it might be 
executed 1 by the officers of the Western Coal and Coke Com- 
pany and returned to me for execution 1 by the Eastern 1 
Trust Company, and then forwarded 1 for record to Tucker 
county. Although it has been more than two months since 
this mortgage was sent to you, it has not been returned to 
me. I shall appreciate 1 it if you will look into the matter 
and send the mortgage to me as soon as possible, in order 
that the affairs of the company may be wound 1 up and 
turned over to you. (129) 

Very truly yours, 



PUBLISHING 

Greensburg 1 Paper Co., 132 

Greeosburg, Pa. 
Gentlemen : 

Please submit us prices on the following, giving 
earliest date of delivery : 100 R. magazine 1 paper, averaging 1 
150 lbs., in three grades of calenders 1 ; i. e., type, half-tone, 
and three-colored ; 300 R. book paper, English 1 laid, with 
our water mark ; 200 R. book paper, 100 lbs., regular 1 bond. 

The last consignment 1 of calendered paper invoiced 
by you on the 20th ultimo 1 , was of inferior 1 quality 1 and 
failed to bring out the half-tones as a coated paper of that 
grade should. The presses were started before this was 
noticed, otherwise 1 the shipment would have been returned. 
We trust greater 1 care will be exercised 1 in maintaining 1 
quality in the future. (Ill) 

Yours very truly, 

Mr. George E. Brooks, 133 

Lexington 1 , Ky 1 . 
Dear Sir: 

Replying to your favor of the 17th inst., we beg to 
say that we should like very much to comply with your 
request concerning 1 Forward 1 subscriptions 1 , but it is not 
possible to do so. The single subscription price of Forward 
is 75c. a year, and at that price we address to individuals 1 , 
but at the school subscription rate of 50c. a year, we cannot 
do any individual addressing. We are frequently 1 asked to 
do this, and uniformly 1 ' have to decline. Forward is a very 
costly paper to produce, the illustrations 1 and literary 1 mat- 
ter being almost entirely original 1 with us, and there is no 
margin 1 for individual addressing at the 50c. price. (114) 
Yours truly, 
77 



78 THE COMPLETE DICTATER 

Mr. L. E. Burk, 134 

Montreal 1 , Can 1 . 
Dear Sir : 

You will note from the enclosed announcement 1 that 
we have in press a new edition of Bryce's American Com- 
monwealth 1 , edited by Prof 1 . Garner 1 and Dr. Shearer 1 , 
which, though entirely distinct 1 , will form an invaluable 1 
companion 1 work, supplementing 1 the Garner and Lodge 
History 1 of the United States. We have decided that if you 
wish to remit the full amount of your account at once 
instead of on the monthly-payment plan, we will send you 
The American Commonwealth without cost, in binding to 
match your set of the History of the United States. For 
your convenience 1 we enclose a blank, the use of which will 
secure you one of the first copies of the new work to come 
from the bindery 1 . (117) 

Faithfully 1 yours, 

Mr. R. J. Gibbons, 135 

Jacksonville 1 , Fla 1 . 
Dear Mr. Gibbons : 

In accordance 1 with our policy, we are continually 1 
adding to our line of standard 1 editions, and we hope the 
enclosed circular 1 will prove of interest to you. As you will 
see, we have brought out a new edition of Shakespeare 1 , one 
of Stevenson 1 , and one of Kingsley 1 , and are also offering 
some other sets at an extremely low figure. The premium 
offer is also a very attractive 1 one, as you are entitled 1 to 
your choice of any one of the volumes advertised with each 
set purchased. We will ship you at our expense any of the 
sets, and if they do not prove satisfactory, you may return 
them to us without cost or obligation to yourself. 

Kindly indicate your wishes in the matter, and believe 
us to be (128) 

Very truly yours, 



PUBLISHING 79 

Mr. F. A. McBride, 136 

Jersey City 1 , N. J 1 . 
Dear Sir : 

We enclose you herewith a copy of a letter which we 
sent to our other depositories 1 and representative 1 houses on 
Saturday last. This will indicate clearly to you our posi- 
tion in the matter of beginning and ending subscriptions 1 to 
the School Journal. Of course, what is said in this letter 
refers to the matter of subscriptions only, and not to any 
orders that may be placed with the manufacturing 1 depart- 
ment 1 . 

In the matter of discounts we allow publishers 1 , we 
beg to say that it is not our custom to allow any discount on 
our periodicals 1 , and we do not see why we should make an 
exception in the case of individual 1 subscriptions to the 
School Journal . (115) 

Yours truly, 

Dr. J. C. Rockwell 1 , 137 

Wheeling, W. Va 1 . 
Dear Sir : 

It is with a feeling of no little pride that we are ship- 
ping you today, charges 1 prepaid, volumes 1 I-XII inclusive 1 
of the Lodge History 1 of Nations. The remaining volumes 
are now in press, and will be delivered within a few weeks. 

You probably 1 know that this great history has been 
in preparation 1 for many years, and is only now completed. 
Our investment 1 in the plates and plant is almost as much 
as in all our other publications 1 combined. We have taken 
infinite 1 pains with every editorial 1 feature of the work, 
such as historical 1 scholarship 1 , minute 1 accuracy 1 , and lit- 
erary 1 style ; and also with all points of mechanical 1 detail, 
including paper, press- work, illustrations 1 , and binding. 
The set has involved 1 enormous 1 financial 1 outlay — about 
double the amount we originally 1 estimated 1 . 



80 THE COMPLETE DICTATER 

You are one of the early subscribers 1 who were 
prompt to take advantage of our liberal introductory 1 con- 
cession 1 in price, and as soon as you have examined the vol- 
umes, we would appreciate 1 an expression from you upon 
the merits of the work. (171) 

Cordially 1 yours, 

Dr. Henry M. Brooks, 138 

Zanesville 1 , O. 
Dear Doctor : 

We beg leave to call your attention to the enclosed 
circular 1 of Anderson's 1 Principles and Practice of Medicine 1 . 
We believe, however, that you are in a measure familiar 1 
with this work, as it is recognized as a standard 1 text-book 1 , 
not only in the United States, but abroad. Dr. Anderson 
is original 1 in the arrangement 1 of his book, and all books of 
this character 1 written since have used the same outline. 
He is a recognized authority 1 on typhoid 1 fever, and we 
would call your attention particularly to the chapter on this 
subject. This book is the adopted text in eighty -four medi- 
cal colleges in this country. 

We take pleasure in forwarding 1 a copy for your 
examination 1 , which kindly accept with our compliments. 
We trust a critical 1 review of the book will result in your 
recommending it for use in your institution. (140) 
Yours very respectfully, 

Messrs. Kline, Potter & Co., 139 

Parkersburg 1 , W. Ya 1 . 
Gentlemen : 

We are in receipt of your favor of the 12th instant, 
and in reply beg to state that we issue uniform 1 editions of 
Scott. Scott's novels are complete in 48 volumes 1 , and are 
bound in two styles. The Waverly 1 edition is one of the 
finest from a mechanical 1 point of view that our house pub- 



PUBLISHING 81 

lisbes 1 . The books are printed on a Holland 1 laid water- 
marked paper. A Scotch-faced type is used, with wide mar- 
gin 1 . The illustrations 1 , of which there are ninety-six, are 
photogravures 1 , and were imported 1 from Roupel & Co., 
Paris. Ornamental 1 title pages in three colors complete the 
interior 1 features 1 . The volumes are 12mo, uniform in size, 
with gilt tops and uncut edges. We publish this edition in 
a shot-silk cloth, with hand tooling and an inlaid design of 
a thistle 1 . The price of the cloth edition is $36 and the 
levant $22, less 35% on lots of 20 or more f. o. b 1 ., Chicago. 
Yours very truly, ( 1 63 ) 

Mr. John L. Moore, Principal, 140 

Union Business College, 

Cohoes, N. Y. 
Dear Sir : 

Your order for a dozen copies of our typewriting 1 
manual 1 is in hand. Before we can fill this order we must 
remind you that we have not yet had a dollar on account of 
the books sent you last August ; besides which, we have on 
our shelves 1 a dead stock of your old manuals taken in full 
exchange 1 for ours. Considering our liberality 1 in the 
initial 1 transaction 1 and in the indulgence 1 extended to you 
in the settlement 1 of our bills, do you not think it unfair to 
expect 1 us to continue 1 shipping books to you when you have 
failed thus far to pay any attention to our bills and state- 
ments ? We are sure you will agree with us that this is not 
good business, either for you or for ourselves. Run upon 
such a policy, your institution would be in the hands of a 
receiver in short order, would it not? Kindly take the 
same view from the standpoint 1 of our enterprise 1 , and send 
us your check in full of account. When this is done, we 
shall be happy to send you the manuals just ordered. (186) 
Very truly yours, 



CONTRACTING 

Messrs. Kaighn & Draper, 141 

Reading, Pa. 
Gentlemen : 

We hereby propose to furnish 1 all labor and materi- 
als 1 for the erection and completion of the reinforced 1 con- 
crete 1 work in the new office and laboratory 1 buildings for 
the Talking Machine Company in Washington 1 , D. C, 
including centering, asphalt 1 floors, safety treads on stairs, 
and cement 1 finish 1 , as per plans and specifications 1 of your 
architect 1 . This also includes all foundation 1 work, but 
does not include any excavation 1 ; neither does it include 
any of the steel, this steel, of whatever description 1 , being 
furnished by another contractor 1 to the owners. (87) 
Yours very truly, 

Mr. John M. Allison 1 , 142 

Chester, Pa. 
Dear Sir : 

Presuming 1 that your company will be the recipient 1 
of the award 1 for street paving, I beg to apply for an early 
date for laying asphalt 1 pavement 1 on Titan street between 
30th and 31st streets north of Wharton 1 avenue. I am get- 
ting the lamps erected and everything in readiness, as I 
am anxious to have the work done. The houses are renting 
rapidly, and the people are eager to take possession 1 . As 
the paving will be a cash transaction 1 , you will oblige me 
very much by filing the application at once and giving it 
your best attention. I would call to see you about the mat- 
ter, but press of business prevents 1 my doing so. I expect 
to be ready to have the work started in a week. (126) 
Yours very truly, 
82 



CONTRACTING 83 

Messrs. George D. Hill & Co., 143 

Burlington 1 , Vt. 
Gentlemen : 

A dealer here offers us your pure white-lead in oil in 
quantities 1 at 6^0. per pound, thirty days net, or 2% off for 
cash in fifteen days. Your Mr. Hill assured us the other 
day that we were buying at dealers' lowest prices. If you 
make more than one quality 1 of lead, the quotation 1 given 
us by the dealer 1 is easily understood 1 ; but if there is but 
one quality, his price is just the same as yours, and we do 
not suppose dealers work for nothing ; it is certainly 1 
unusual 1 for them to do so. We have nothing to say at 
present about oil, turpentine 1 , and other colors, but we are 
particularly interested in white-lead. Since we have taken 
out a number of permits, we shall be in the market for con- 
siderable quantities of your products, and you will therefore 
oblige us by submitting your lowest prices. (151 ) 
Yours truly, 



The Kimball 1 Glue Company, 144 

Seattle 1 , Wash 1 . 
Gentlemen : 

We beg leave to hand you herewith our estimate 1 for 
the work comprised in contract No. 10, as per plans and 
specifications 1 of Mr. Andrew Smith, architect 1 , for the 
erection of your new building. This estimate does not 
include any excavation 1 because the plans do not show the 
amounts of such work to be done. We will do all such 
excavating at the rate of fifty cents per cubic yard, supposing 
that the amount of earth excavated can be used in filling 
where such is required. We will guarantee 1 our work and 
designs to pass the inspection 1 of the bureau of building, 
and agree that unless it does so, any contract entered into 
by us with you shall be considered void. 



84 THE COMPLETE DICTATEE 

This proposal 1 is signed by the vice-president 1 of the 
company ; if accepted, a subsequent 1 contract will be made 
under seal of the corporation 1 . (145) 
Yours truly, 

Messrs. Hastings 1 & Morrison 1 , 145 

St. Louis 1 , Mo. 
Dear Sirs : 

Since seeing your Mr. Morrison I find that I cannot 
make the gable-end houses as large as expected 1 , and I have 
therefore decided to have only three windows in the front of 
each house instead of four, as you originally 1 estimated 1 . 
There will be two windows on the second floor and one on 
the first floor. The window in the bath-room 1 will be an 
odd size, and Messrs. Swan 1 , Benson & Company will give 
you the proper dimensions 1 for it. This will make another 
change in the estimate, and I trust I shall not h^ve to 
trouble you with any further corrections 1 . (104) 
Very respectfully yours, 

Messrs. R. L. Huff's Sons & Co., 146 

Nashville 1 , Tenn. 
Gentlemen : 

We are this morning in receipt of the blue-prints 1 for 
the foundation 1 and the extra copies of the specifications 1 . 
Will you kindly let us have the other drawings as rapidly 
as you can, as it is our desire to send a foreman to your city 
early next week. 

Enclosed please find the executed copy of the contract, 
in accordance 1 with our promise to you. We have made 
provision 1 for rushing this work to a speedy completion. 

We want to take this, opportunity to thank you per- 
sonally 1 for the acts of courtesy 1 of which we have been the 
recipients 1 at your hands, and to beg to remain (107) 
Very sincerely yours, 



CONTRACTING 85 

Mr. John McLaughlin 1 , 147 

Petersburg 1 , Va 1 . 
Dear Sir : 

I expect to have the ground plottings 1 of the houses to 
be erected on Green street, ready by the latter part of the 
week. I am promised them from the architect 1 on Thurs- 
day or Friday. When I receive them I will want to see you 
to talk over details. The cellar digging will not be of great 
moment, owing to the fact that I intend 1 to elevate the 
houses considerably 1 above the sidewalk 1 , and much of the 
material immediately around them will be used for grading 
purposes 1 . I will write you a card just as soon as the plot- 
ting is completed, asking for an interview 1 . (105) 
Very truly yours, 

Mr. John R. Lee, 148 

Topeka, Kaus. 
Dear Sir : 

Your proposition for hauling bricks is received and 
accepted. The salmon bricks are to be dumped and the 
stretchers 1 to be piled. Three cars will be on hand the 
beginning of the week, and they will probably 1 come in one 
shipment. I was not aware when I ordered the cars that I 
had only forty-eight hours in which to unload them. Here- 
after 1 I will order one car at a time so that they will arrive 
a few days apart, which will give you a chance to haul the 
bricks at your leisure. The Atchison 1 , Topeka and Santa Fe 1 
Railroad allows four days for unloading, which led me 
astray. If it is convenient 1 to you, and in order to prevent 1 
delay, I would like you to pay the freight on these cars as 
they arrive and telephone me the amount, and I will send a 
check at once to reimburse 1 you ; or if the road will deliver 
the bricks without the freight charges being paid until I 
receive a memorandum 1 of the amount, it will suit me as 
well. My object is not to incur demurrage 1 charges. (186) 
Yours very truly, 



86 THE COMPLETE DICTATED 

Messrs. Willard 1 & Webb, M9 

Camden, N. J 1 . 
Gentlemen : 

We have gone over the plans for your proposed ware- 
house exhaustively 1 and find, contrary to our expectations 1 
when we saw you on Wednesday, that it will be impossible 
for us to give you a figure 1 on the work by this afternoon 1 . 
The volume 1 of the work is so great and the time is so short 
as to preclude the possibility 1 of such action. If after the 
bids are received the matter still should be unsettled 1 in 
your mind, we shall be very glad to give you a figure for 
the erection of this work, in accordance 1 with the designs of 
our own engineer, and will guarantee 1 the results to pass 
inspection 1 as to materials, workmanship 1 , and time of com- 
pletion. This we are willing to do under bond. (127) 
Yours respectfully, 

The James C. Hood Engineering 1 Co., 150 

Norfolk 1 , Ya 1 . 
Dear Sirs : 

We beg to acknowledge 1 receipt of your corporation 1 
notice, and would say that the nature of your work will be 
kept constantly 1 in mind. Be assured that we shall take 
pleasure in suggesting your name to all inquiring 1 clients 
contemplating 1 such construction 1 as you are so well 
equipped 1 to execute 1 . 

In consideration of your various lines of usefulness 1 , 
may we request that you keep our somewhat peculiar 1 
specialties 1 in mind also, since we are prepared to protect 1 
you in the testing, acceptance 1 , and prompt shipment of all 
your construction materials 1 , such as timber, cement 1 , iron, 
and steel. 

Bespeaking 1 for your operation 1 a generous 1 share of 
profitable 1 commissions 1 , believe us to be (111) 
Kespectfully yours, 



CONTRACTING 87 

Messrs. L. H. Vandergrift 1 &Co., 151 

Toronto 1 , Can 1 . 
Gentlemen : 

Your letter of the 18th instant is at hand concerning 1 
fire proofing 1 of the storage 1 warehouse. We beg to say that 
this is not in our line, and it would be useless, therefore, for 
us to attempt to give you a bid on it. It would, however, 
be interesting 1 to us to know the history 1 of this contract 
at your convenience 1 , inasmuch 1 as our figure 1 to you was 
lower, as we know perfectly 1 well, than the same building 
could have been erected for in steel. We understand 1 that 
there has been a change made in the floor loads of the build- 
ing from 300 to 200 pounds. Had we been apprised of this 
change, we could have in all probability 1 reduced our price, 
which would have brought it below the price you obtained 
for steel. (133) 

Sincerely yours, 

Messrs. J. K. Middleton 1 & Co., • 152 

Wilmington 1 , Del 1 . 
Dear Sirs : 

We are in receipt of a set of plans and specifications 1 
for a new building to be built in Savannah, Ga., for the 
Boyne Shoe Company. If you have no objection to so doing, 
a letter from you to these people would, we believe, estab- 
lish 1 us firmly in first place for this work. We are writing 
to you in this connection 1 because the people concerned 1 are 
in the shoe business, and we feel certain must be customers 
of yours, or at least known to you. If you can in any way 
assist 1 us, we shall be very much obliged. 

In regard to Mr. Gladstone 1 , he is perfectly 1 satisfied 
with the proposition 1 submitted, and we are rather of the 
opinion 1 that his decision 1 will be favorable. (125) 
Very truly yours, 



88 THE COMPLETE DICTATER 

Mr. James E. Folsom 1 , 153 

Troy, N. Y. 
Dear Sir : 

We have been asked by your treasurer 1 to seud you a 
catalogue 1 of our business. We have never had one printed, 
owing to the fact that we are not believers 1 in any special 
system of reinforced 1 concrete 1 work. Each problem as it 
arises needs its own special treatment by a competent engi- 
neer 1 , and our object is to give each piece of work such treat- 
ment and, in addition, to obtain the results which come 
from careful and systematic 1 workmanship 1 . If you have 
at any time any problems in reinforced concrete work, we 
shall be glad to cooperate 1 with you in their solution, and 
will guarantee 1 that our designs will pass the inspection 1 of 
the bureaus of building construction 1 in any of the large 
cities. (123) 

Yours very truly, 

Mr. A. K. B. Carroll 1 , 154 

Pittsburgh 1 , Pa. 
Dear Sir : 

I see in the American Contractor 1 your advertisement 
of plumbers' goods at wholesale 1 prices. I also notice your 
outfit 1 in the advertising sketch, which is about what I 
want for small, low-priced houses ; namely, 5 J ft. enameled 1 
tub, toilet, and stand with fittings. You wall please give 
me your lowest quotation for cash in carload lots f. o. b 1 ., 
New York. The goods must be guaranteed 1 , and the 
fittings and supplies that go with them must be of standard 1 
quality 1 , so that when the work is completed there will be 
no repairs to follow. I shall need for the coming season 
seventy sets ; that is, plumbing material for seventy houses. 
I expect 1 to be in Pittsburgh later in the season, as I am 
negotiating 1 for other goods in your vicinity 1 , such as mill 
work, cabinet 1 work, etc 1 ., and if your prices are satisfac- 



CONTRACTING 89 

tory, T will call on you to examine your stock. I purchase 
all my supplies in carload lots in order to get the lowest 
price for the best goods. How many outfits can you put in 
a freight car? (181) 

Very truly yours, 

Messrs. Lukens & Deever, 155 

Austin, Tex. 
Dear Sirs : 

Your letter received in regard to furnishing 1 build- 
ing stone. I beg to state that I have all the building stone 
I require in Milton ; in fact, I have a quarry 1 large enough 
to furnish the entire 1 neighborhood 1 . I do, however, want 
building stone for forty-seven houses at 30th and Cherry 
streets. If you will call upon me in the afternoon 1 between 
two and five o'clock, I will give you the exact 1 quantity 1 , 
although I think it will be about 1200 or 1300 perches. I 
want a quotation 1 on stone delivered at 28th street and Ferry 
avenue, or at some other point equally accessible 1 , but 
before deciding details I should prefer 1 seeing you. (112) 
Yours truly, 

Aaron Furniture 1 Co., 156 

Trenton 1 , N. J. 
Gentlemen : 

We see by current 1 papers that your steel and brick 
building has been destroyed by fire. We suppose this will 
necessitate 1 a building operation 1 , and should like to call 
your attention to the manifold 1 advantages of our rein- 
forced 1 concrete 1 building, both from the rapidity 1 of con- 
struction 1 and immunity 1 from fire. The building itself 
being absolutely 1 fire-proof 1 and necessitating upon your 
part the carrying of insurance 1 on your stock only, is surely 
a profitable 1 factor 1 . We shall be glad to take this matter 
up with you more fully with a view to doing the work for 
you. (97) 

Yours truly, 



STOCK BROKERAGE 

Mr. William J. Taylor 1 , 157 

Omaha 1 , Neb 1 . 
Dear Sir : 

Your favor of the 27th inst. addressed to our New 
York 1 office, has been referred to us. We do not care to 
make a practice of opening accounts for less than 1000 shares 
of stock. We might make an exception in some cases, but 
in any event we do not care to purchase less than 500 shares 
to be held as collateral 1 security for money advanced. To 
avoid misunderstanding 1 , we should prefer 1 to have tele- 
grams 1 signed in full. We are returning your check from 
New York today, and should you in future wish to make a 
remittance 1 , kindly forward 1 us a draft on New York or 
Philadelphia 1 , obtainable 1 at your bank. 

You ask us our opinion 1 of the outlook for National 
Salt preferred. There is no preferred stock of the National 
Salt Co. (130) 

Very truly yours, 

Mr. Winston Belfield, 158 

New Haven 1 , Conn 1 . 
Dear Sir : 

We have to advise you that the par value of Nash- 
ville and Decatur is $100 per share. The road is leased to 
the Nashville, Florence and Sheffield 1 Co., the under- 
ground 1 system in Nashville, for 10 per cent, on the stock, 
thus netting about 5 per cent, on the present market price. 
The dividend 1 is payable quarterly 1 , the last one having 
been paid October 1 1. 

In reference to the National Car Wheel Co. , we pre- 
sume you are aw T are that the new bond to be issued is in 

90 



STOCK BROKERAGE 91 

the nature of a collateral 1 trust, having the stock of the 
National Car Wheel Co. as security 1 ; that is, every $1200 
of these bonds will have as security 100 shares of the stock 
of this company. In addition to this security, the National 
Steel Co. is to pay $2,000,000 into a fund to be used for 
betterments 1 and extensions to plants and properties 1 of 
companies turned over by the National Car Wheel Co. to the 
new company. The National Steel Co. was incorporated 1 
in February 1 , 1902 ; capital, §4,000,000 preferred 1 and 
$3,000,000 common. ( 183) 

Yours truly, 

Robert S. Hunter, Esq 1 ., 159 

St. Joseph 1 , Mo. 
Dear Sir : 

In reply to your favor of the 19th inst., we wired 
you today stating that the last sale of New Mexico 1 Fuel 
Co. stock was in December 1 , 1902, at $32 per share. The 
auctioneers 1 have 25 shares advertised for sale tomorrow, 
but we are informed 1 that this stock has been withdrawn 1 . 
Should you wish to offer any tomorrow, we shall be glad 
to attend to the matter for you, if you will kindly com- 
municate 1 with our New York 1 office not later than 11.30 
a. m. Auction sales are held every Wednesday at 12 
o'clock noon, and ordinarily 1 an advertising charge of $1 is 
made. In this case, of course, there would be no such 

charge. (115) 

Yours very truly, 

Mr. John C. Crompton, 160 

Fall River 1 , Mass. 
Dear Sir : 

We greatly regret the delay in the delivery of the 
New Amsterdam 1 Gas Co. certificates 1 . However, as 



92 THE COMPLETE DICTA TER 

brokers, we could hardly ask to have this transaction 1 can- 
celled 1 , as we really have no good reason to ask it after we 
had entered into the contract. The New Amsterdam people 
offered to deliver their receipts, which we refused. Had 
the bonds been delivered to us promptly, of course your 
money could now be invested at the prevailing 1 rates. 
Furthermore 1 , the accruing interest is only 5 per cent., 
and the average price of money since that time has been 
over 5 per cent. Should you so desire, however, we should 
be glad to have you write a letter to Messrs. Kaudom, 
Nally & Co. informing 1 them that we purchased the bonds 
for your account, and stating your grievances 1 to them. 

Very truly yours, (135) 



Messrs. Kremer & Duncan 1 , 161 

Los Angeles 1 , Cal 1 . 
Dear Sirs : 

We are writing you in the thought that probably 1 the 
general mortgage 1 4h per cent, bonds of the Mobile and 
Florida Railroad Co. might interest you. The price is about 
87, at which figure they will, of course, net slightly over 5 
per cent. There is a 2 per cent, per annum sinking fund 
clause. Interest periods 1 are January 1 and July, the bonds 
having been issued early in 1902 and offered as a privilege 1 
to the stockholders 1 at 87|. 

A Japanese 1 6 per cent, bond selling at, say, 87 would 
cost $870, and you would be entitled to the accruing interest 
since October 1 5. A 4J per cent, bond selling at, say, 82 
would cost $820, and you would be entitled to the interest 
accruing — on the first series since August 15 and on the sec- 
ond series since July 10. Both the first and second series of 
the 6's may be called after April 5, 1906, on six months 
notice. The first series ^'s may be called upon six months 



STOCK BROKERAGE 93 

notice after February 1 15, 1907, and the second series 4^'s 
after July 10, 1907. At maturity 1 the holder 1 will receive 
$874 for each $200, which, to our usage, is equivalent 1 to a 
$1000 bond. (209) 

Yours truly, 



Mr. Samuel V. Duff, 162 

Gloucester 1 , Mass. 
Dear Sir : 

Answering your inquiry 1 of the 30th ult., we under- 
stand 1 a stop loss order to be entered according to the 
enclosed order blank, whick no doubt is just what you 
intend 1 . It is believed in what ought to be very good quar- 
ters that the next dividend 1 on Pennsylvania 1 Railroad stock 
will be increased to the rate of 7 per cent, per annum. This 
may have the effect 1 of not only advancing the market price 
of the stock, but also of stimulating 1 the rest of the market. 
On the other hand, there is some timidity 1 in accumulating 
stocks at present, owing to the near approach of the elec- 
tions 1 which might have a depressing effect upon the market. 
Yours truly, (115) 

Arthur N. Blackburn, Esq 1 ., 163 

Memphis, Tenn. 
Dear Sir : 

We have your letter of the 13th inst. with enclosures 1 
as stated. We beg leave to return herewith 8 shares Yicks- 
burg 1 , Shreveport 1 and Pacific common and 7 shares pre- 
ferred 1 , which have practically 1 no value. At auction a lot 
of 89 shares common sold for 10 cents, and there were sales 
of preferred at one cent a share. 

We are trying to have the company admit the trans- 



94 THE COMPLETE DICTATER 

fer 1 of 2 shares of Santa Fe 1 Eailroad preferred stock made 
in the name of Harriet L. Smith and endorsed 1 by the admin- 
istrator 1 , Harriet L. McBride, upon our guarantee 1 that they 
were one and the same person. We will also require a 
power of attorney 1 for $1000 Atlanta and Charlotte Air Line 
to be signed by the administrator. When the several secur- 
ities 1 that we retain are in good shape, we will place selling 
orders at best market prices and promptly remit checks for 
proceeds. The several companies will keep short certifi- 
cates 1 on file. (159) 

Very truly yours, 

Mr. Clayton C. Eice, 1 64 

Albany, N. Y. 
Dear Sir : 

In reference to Atlanta and West Point, we have to 
report that while no dividend 1 has ever been paid on this 
stock, it is an independent 1 road, and owing to its terminal 1 
facilities 1 at Chicago, St. Paul, and Minneapolis, there have 
been rumors from time to time that it will eventually 1 
become a part of one of the great northwestern 1 systems. 
We are sending you under separate 1 cover the last annual 
report which is very comprehensive 1 and contains a map of 
the territory 1 through which the road passes. As this is the 
only report we have, we will thank you to return it after it 
has answered your purpose 1 . (108) 
Yours very truly, 

Messrs. Conway & Biddle, 165 

Lowell, Mass. 
Dear Sirs : 

For your information we would say that the annual 
statement of the South Mississippi 1 Railroad Co., recently 



STOCK BROKERAGE 95 

issued^ shows a surplus 1 , after paying dividends 1 at the rate 
of 5 per cent., of about $2,400,000 for the fiscal 1 year. 

The Paul Jones Co. at present is paying dividends at 
the rate of 4 per cent, per annum on $50 par, but the earn- 
ings are greatly in excess of the distribution 1 , and it is re- 
ported that the dividend will be increased in the near 
future. 

Should you wish to buy either of these stocks and not 
pay for them in full, we will advance the necessary amounts 
on lots of not less than 100 shares, within about $25 or $30 
per share of the present market price, to be kept good in case 
of any reasonable decline. (139) 

Yours truly, 

W. Stanton McComb, Esq., 166 

Grand Eapids 1 , Mich. 
Dear Sir : 

We have pleasure in acknowledging 1 the receipt of 
your favor of the 17th inst. The par value of the stock of 
the Berlin Electric 1 Light Co. is $10 per share, capital stock 
issued $2,000,000, and the company has bonds outstanding 
of about $800,000. For the year ending December 1 31, 1906, 
the company has reported a surplus 1 , after paying 6 per cent. 
dividend 1 , of about $90,000. The prices obtained for light 
this year have been considerably 1 in excess of the prices 
ruling last year, and it is said that the company's earnings 
in consequence 1 have materially 1 increased and that the 
next dividend may be at an advanced rate. Should you 
wish to buy this or any other stock, and only a small 
amount, please send us a bank draft on Chicago and instruct 
us to purchase at the best market price when the order 
reaches us. (149) 

Yours truly, 



96 THE COMPLETE DICTATER 

Messrs Jenks & Clark, 167 

Elgin, 111 1 . 
Dear Sirs : 

The executive 1 committee of the Chicago and North- 
western 1 Kailroad Co. has adopted the following plan pro- 
viding for the fractional 1 shares of each stockholder 1 . The 
company will find the total amount of the fractional shares 
and will issue preferred 1 and common stock for the same, 
and sell the preferred and common stock at auction. From 
the amount thus realized they will deduct 1 one hundred 1 
dollars per share as being the amount due the company, and 
will divide the balance between the fractional shareholders 1 
in proportion 1 to their holdings on the 19th day of Decem- 
ber 1 , 1907. A check will be mailed to each fractional share- 
holder for the amount to which he is entitled. This plan 
will be carried out as soon as the company is able to do so. 
Very respectf ully yours, ( 127 ) 

Mr. Thomas A. Giles, 168 

Cambridge, Mass. 
Dear Sir : 

At the present time Brookline Eailroad stock is sell- 
ing at about $100 per share, and the 4 per cent, bonds at 
about $90. We enclose herewith a booklet, on page 4 of 
which you will find the raDge of prices, and on page 85 the 
earning capacity, which will enable you to form an opinion 
regarding the property 1 . 

Your question 1 as to what other stocks and bonds we 
consider suitable investments, is altogether too general to 
admit of an intelligent 1 reply. We consider the bonds of 
all the trunk line properties good investments, and there 
are hundreds 1 of others. If you wall give us an idea of the 
amount of money you wish to invest, the class of security 1 
and rate of income 1 desired, we will endeavor 1 to answer 
your inquiry 1 . (133) 

Yours truly, 



EDUCATION 

Professor 1 C. G. Barnes 1 , Dean, 169 

Department 1 of Philosophy 1 , 
College Hall. 
My dear Professor Barnes : 

I enclose a letter I have just received from Mr. P. L. 
Fiske now at Columbia 1 University 1 . You will recall the 
previous correspondence had with Mr. Fiske. I think you 
still have the letters written by Professor Henry A. Sibley 
in which Mr. Fiske's work at Columbia was most highly 
praised. The investigation 1 he is making into the sugar 1 
manufacturing 1 industry 1 will, I am sure, be a credit to that 
university. From Mr. Fiske's letter it will be seen that a 
fellowship 1 would be a great assistance 1 to him. Indeed, he 
seems to be just the kind of a man our fellowships are 
intended 1 to aid. I hope President Harris will feel inclined 
to establish 1 a special Harris Fellowship for the current 1 year 
in favor of Mr. Fiske. (128) 

Very truly yours, 

Mr. Horace Vernon 1 , 170 

Emporia 1 , Kans. 
Dear Sir : 

In reply to your favor of the 4th, I will say that the 
best source of information is the report of the Isthmian 1 
Canal Commission 1 , 1899-1901. This report can doubtless 
be obtained by you or by your library from your congress- 
man 1 . I enclose a list of papers that have been written 
upon the subject of the canal. You will find the traffic 
question fully discussed in the Quarterly 1 Journal of Eco- 
nomics 1 for August, 1902. As to the military 1 importance of 
the canal, the best brief statement is to be found in the 
report 'of the commission to which I have made reference, 

97 



98 THE COMPLETE DICTATER 

and in a paper by General Stuart C. Griffin, published 1 in 
the Annals of the American Academy of Political 1 and 
Social 1 Science, May, 1901. Doubtless your institution can 
provide you with part or all of this material. 

I see the debate is set for December 18. I suppose 
you will hardly be able to secure the material and make a 
thorough 1 study of the subject before that date. (171) 
Yours truly, 

Professor 1 Frederick 1 L. Adams, 171 

Harvard 1 University 1 , 

Cambridge 1 , Mass 1 . 
Dear Professor Adams : 

A few days ago the Journal of Political 1 Economy 1 
for December 1 reached me, and I have noticed with much 
interest the paper it contains by you on Economic 1 and 
Social 1 Effects 1 of the Interurban 1 Electric 1 Railways in Illi- 
nois 1 . I am writing to you in regard to a volume which 
will constitute 1 the March issue of the Annals of the Ameri- 
can Academy. That issue of the academy's publications 1 
will be devoted to papers dealing with railway rates and 
traffic, and I should like to include in the volume a paper by 
you on the subject Electric Kail way Charges 1 . Do you 
think you could prepare a paper between now and the first 
of February 1 treating of this subject, with a view to stating 
the principles and practices followed in making electric rail- 
way rates, comparing electric fares with the fares on steam 
railroads, and pointing out some of the influences which 
electric competition has had upon steam railroad charges and 
traffic ? I have in mind a paper of four thousand to forty- 
five hundred words in length. The other papers of the vol- 
ume will consist mainly of articles 1 by academic men and 
prominent 1 railway officials 1 . (191) 

Yours very truly, 



EDUCATION 99 

Dr. Allan P. Engle, 172 

Clinton, N. Y. 
My dear Dr. Engle : 

I have just received a letter from Mr. Cyrus C. 
Eames urging me to send you some topic to be discussed by 
myself at the coming meeting of the Association 1 of Ameri- 
can Geographers 1 . I have written to Mr. Eames that I 
would suggest the topic Some Suggestions Concerning 
Human Geography 1 . I do not know whether this topic is 
one you care to have included in your program 1 , and, if not, 
I hope you will feel perfectly 1 free to omit it. (80) 
Very truly yours, 

Mr. Lemuel J. Craig, Secretary 1 , 173 

Interstate 1 Commerce 1 Commission, 1 
Washington 1 , D. C 1 . 
My dear Sir : 

My present set of the Reports and Decisions 1 of the 
Interstate Commerce Commission is complete up to and 
including the ninth volume, which, as you know, brings me 
to December 1 , 1903. I suppose volume X must have been 
published 1 this year. If so, I should be pleased to receive a 
copy, provided the commission can, without impropriety 1 , 
send me one as it has done in the past. 

I suppose it is too early to expect 1 the printed volume 
of the Statistical 1 Report for 1906. I have been hoping that 
it might arrive soon. 

After the commission's annual report appears, I think 
I will prepare a paper discussing the Act of June 29 last and 
the early proceedings under the act. The object of the 
paper will be to give the public 1 information in regard to 
this legislation 1 and the decisions of the commission under 
the act. (146) 

Very truly yours, 



100 THE COMPLETE DICTATER 

Richard 1 Mortimer 1 , Ph. D., President, 174 

National Geological 1 Society 1 , 
Washington 1 , D. C 1 . 
Dear Dr. Mortimer : 

I am informed that Professor 1 Andrew S. Duncan 1 , of 
the University 1 of Tennessee, who was one of the United 
States delegates 1 to the Pan-American 1 Conference 1 , is to be 
in the East during the last week of December 1 and the first 
week of January 1 , and that he will be available 1 for lecture 1 
engagements 1 . If I had not already arranged for a meeting of 
the Geological Society of Philadelphia 1 on the first Wednes- 
day of January, I should be glad to give Professor Duncan 
one of those dates. However, I have definitely 1 arranged 
for other speakers and cannot, therefore, give him a place on 
the program, which I would otherwise gladly do. I know 
Professor Duncan personally and have heard him speak a 
number of times. I think him a strong man and a good 
speaker. Accordingly, I am bringing him to the attention 
of your society, thinking you may desire to invite him to 
give an address during one of the weeks he will be in this 
vicinity. (166) 

Very sincerely yours, 



Dr. F. L. Clark, 175 

14 West 79th Street, 
New York, N. Y. 
Dear Sir : 

In reply to your favor of the 27th, I beg leave to say 
that I am pleased to know of the investigation 1 you are 
making, and am also glad to hear that one of Professor Bell's 
students 1 is now in this country. Doubtless the best 
sources of information for you would "be the secretary 1 of 
the New York Maritime 1 Association 1 , the secretary of the 
Boston Chamber 1 of Commerce 1 , and the secretary of the 



EDUCATION 101 

Philadelphia 1 Maritime Exchange 1 . Probably 1 Professor 
K. A. Dwyer 1 , of the University 1 of New York, can give 
you a letter of introduction 1 to the secretary of the New 
York Maritime Association. I think you will hardly need 
an introduction to the secretary of the Boston Chamber of 
Commerce. You may, however, be free to say that I sug- 
gested a conference 1 with him. I have a slight acquaintance 1 
with him. Should you decide to come to Philadelphia, I 
shall be pleased to have a conference with you and give you 
such assistance 1 as is in my power. I am a member of the 
Maritime Exchange of Philadelphia and can introduce 1 you 
to officers of that organization. 

While in this country you will do well to go to Wash- 
ington 1 and have a conference with the secretary and the 
chairman of the Interstate 1 Commerce Commission 1 . You 
will find both gentlemen disposed to help you. (220) 
Very sincerely yours, 

Honorable 1 Francis B. Loomis, 176 

Acting Secretary 1 of State, 
Washington 1 , D. C 1 . 
Dear Sir : 

For several months past Mr. Philip L. Meyer, a 
Fellow in political 1 science 1 at the University 1 of Virginia 1 , 
has been working on a monograph 1 dealing with the History 1 
and Activities 1 of the United States Consular 1 Service. 
This volume is being prepared under the auspices 1 of the 
University of Virginia and the Carnegie 1 Institution, and is 
now about half written. As an aid to securing the informa- 
tion required to complete his work, Mr. Meyer is to start for 
Europe 1 , April 20, to be gone several months, and he would 
like an official 1 letter to our consuls that will enable him to 
confer with them readily regarding the various duties they 
perform 1 , the aid they are rendering American trade, and 



102 The complete Dictated 

the assistance 1 they are giving our merchants and onr gov- 
ernment in helping to enforce the customs revenue laws. 

Assuring you that the two institutions I represent 
will appreciate 1 your assistance, I am (150) 
Very respectfully yours, 

Miss Mildred Jennings 1 , 177 

Helena 1 , Mont 1 . 
Dear Madam : 

Professor 1 Potter has handed me the letter addressed 
by you to him on the 24th of April concerning Mr. Harvey 
Bronson 1 . I have today had a conference 1 with the dean of 
the Department 1 of Philosophy 1 , and am informed 1 that the 
appointments 1 to fellowships 1 and scholarships 1 have all 
been made. I think it useless to endeavor 1 to secure an 
appointment for Mr. Bronson. I hope, however, he will 
decide to undertake 1 graduate 1 work with us. Possibly he 
may be able to secure remunerative 1 employment during 
the summer months and, if necessary, for a part of the time 
during the ensuing 1 academic year, and thus be able to carry 
on graduate studies. (110) 

Yours sincerely, 

Mr. Louis Renshaw 1 , 178 

Butte, Mont 1 . 
Dear Sir : 

The publication 1 committee of Union College yes- 
terday 1 approved of the immediate publication of a volume 
on Factory Legislation 1 of Maryland 1 , Its History 1 and 
Administration 1 , by Dr. L. J. Robinson 1 . Dr. Robinson 
will present the manuscript 1 to you in person, and he will 
be much obliged if you will send him two sets of galley 
proofs, at the sametime sending me one set. Dr. Robinson 
will doubtless explain to you that this monograph deals 



toudATiott 103 

With factory legislation which is to come before the Mary- 
land legislature 1 this winter. If the monograph can be 
issued and put upon the market about the middle of Jan- 
uary 1 , it w T ill attract some attention and have some sale. 
For these reasons I hope you will be able to expedite 1 the 
typesetting of this work. 

I appreciate 1 very much the attention you have given 
the Bowling monograph, which I understand is in galley 
proof. Should it be necessary to delay either one of these 
monographs, I hope you will give first place to the Eobinson 
publication. (168) 

Yours truly, 



Mr. John G. Kennedy, Supt 1 ., 179 

Salem, Mass 1 . 
Dear Sir : 

In reply to your favor of the 22d ultimo 1 concerning 1 
Dr. T. W. Sheldon 1 , I will say that I think you will find 
him a very satisfactory lecturer 1 . I have no hesitation in 
commending 1 him to your favorable consideration. While 
Dr. Sheldon has not had much experience in addressing 
large audiences 1 , he has been very successful 1 in his class 
lectures, and I am certain you will find him a good speaker. 
He has a good voice, an excellent 1 choice of language, and a 
dignified 1 bearing. (85) 

Sincerely yours, 

Mr. Carroll 1 T. Strong, 180 

Albion 1 , Mich. 
Dear Sir : 

Your letter of the 12th enclosing your paper on Edu- 
cational 1 Epochs in the United States, was duly received, 
and I have had much pleasure and received much instruc- 



104 THE COMPLETE DICTATES, 

tion from reading it. It is the kind of paper our society 1 
would like to publish, and there is no doubt that we can 
include it in our publications 1 , provided you can let us hold 
it for sometime 1 . As you know, our plan is to group the 
papers and to devote each issue of our magazine to contri- 
butions on one general topic. I do not know just when our 
next volume on education will appear. When it does, your 
paper will, of course, be included. It may be a year before 
such a volume is issued. This being the case, it would be 
unjust to hold your article unless you are willing to have us 
do so. If you can find an earlier publisher 1 , I hope you 
will feel free to recall the manuscript 1 . If, however, you 
wish to let us have it, we shall be glad to include it in its 
proper number. (180) 

Very truly yours, 

Mr. H. S. Harper 1 , 181 

17 Union Square, 

New York City. 
Dear Sir : 

I wish to say a word regarding Mr. Harold A. Malone 
whom, I understand, you are considering in connection 1 
with a teaching position in the Central 1 West. Mr. Malone 
was a student of mine a few years ago, and I know him 
well personally. He is a young man of high character 1 , of 
excellent habits, energetic 1 , tactful 1 , and a man of good 
address. He has had liberal training in history 1 and eco- 
nomics 1 , and I feel certain he may be depended upon to 
give good success as a teacher of these subjects. If in your 
judgment Mr. Malone is not well qualified 1 for the position 
in mind, I can suggest the names of two or three other 
promising young men who will graduate 1 from the uni- 
versity 1 in June. (127) 

Very truly yours, 



RAILROADING 

Mr. Andrew T. Mowbray, 182 

Council Bluffs 1 , Io. 
Dear Sir : 

Replying to your favor of the 1st instant regarding 
rate from Council Bluffs to Davenport 1 on account of the 
canned convention, I desire to say that this is on the cer- 
tificate 1 plan, by which a passenger 1 may purchase going 
ticket on February 1 7 to 13 inclusive 1 , at first-class 1 one-way 
rate, and at time of purchase secure certificate from selling 
agent, which certificate when properly 1 validated 1 at Daven- 
port on February 13 or 14 will entitle the holder 1 to return 
ticket at one-third fare up to and including February 20. 
These tickets are good only for continuous 1 passage in both 
directions 1 , and return ticket can be issued only to accredi- 
ted 1 delegates 1 holding properly validated certificates. 

Very truly yours, (115) 

Mr. William E. Powell, i83 

Johnstown 1 , Pa 
Dear Sir : 

Eef erring to correspondence 1 in regard to the sale of 
tickets to Harrisburg 1 , in connection 1 with which you 
request a refund because of additional 1 fares paid between 
Altoona and Lewistown, and for excess baggage charges 1 , we 
beg to say that we have carefully investigated 1 the matter 
and are informed 1 by the ticket-seller 1 who waited upon you 
when you applied for tickets, that no conversation 1 was had 
as to any particular arriving time at Harrisburg. He 
says he did not understand that it was your desire to arrive 
there at 1.30 on Monday afternoon, as you did not call 
attention to the details of the route you desired to follow, or 
ask for any special time-table. 

105 



106 THE COMPLETE DICTATED 

In the absence of this information, the agent sold you 
the ticket that is usually issued, because it conforms 1 to the 
through car line and answers the requirements 1 of our 
patrons 1 . (148) 

Very truly yours, 

Benjamin Githens 1 , Div. Supt 1 ., 184 

Portland 1 , Ore. 
Dear Sir : 

For years past it has been the practice on this division 
to furnish 1 certain individuals 1 and firms, particularly large 
industries, with storage 1 space free, such as coal bins for the 
unloading and storage of coal, warehouse or platform 1 space 
for the storage of rags and paper stock, or ground space, 
where there was no trestle, for the unloading and storage of 
coal. Under existing conditions, to place this in proper 
shape, it w^ould seem to me that any space of this kind that 
is granted should be placed under a lease at a rental. 1 I 
therefore enclose a statement showing the stations where 
such space is furnished, with the kind of space and a sug- 
gested rental, which I submit to you for decision 1 . We 
have figured the coal bins on an average of 50 cts. per bin 
per month, freight house and platform space at about one- 
quarter of a cent per square foot, ground space at about one- 
tenth of a cent per square foot, making the rates even dollars, 
halves, or quarters. I should be glad to have you go over 
this and give me your decision. (188) 
Yours truly, 

Mr. Francis Holloway 1 , 185 

Springfield 1 , 111. 
Dear Sir : 

Please note the accompanying letter from Mr. Eto- 
nians to the effect that Freed & Emory, East St. Louis 1 , 
111., are buying reapers from the Empire Implement Manu- 
facturing Co., Springfield, 111., and ordering the same to be 



fcAILfcOADlNG 107 

shipped via the Chicago and Alton, but that all consign- 
ments 1 have been arriving over the Wabash 1 . Will you 
please give this necessary attention, advising why these 
shipments have been diverted 1 from our road and whether 
they will be forwarded 1 via the C. & A. in future. (81) 
Yours truly, 

Mr. J. A. Marvin, 186 

Anaconda, Mont 1 . 
Dear Sir : 

I have your letter of the 3d instant, and am very 
sorry to have to advise you that your application 1 for 
redemption 1 of half ticket from Butte to Helena 1 is hardly in 
shape for our favorable consideration. Our rules permit of 
the redemption of tickets for the original 1 purchaser 1 only, 
and when the application has reference to a half ticket, we 
are especially 1 desirous of receiving a satisfactory explana- 
tion 1 of non-use. If you will kindly have the original pur- 
chaser of the ticket in question 1 write me, advising where 
and when .the ticket was bought, amount paid and why not 
used, or, if the child made the trip, on what date and train 
and what equivalent 1 was given therefor, I will give the 
matter further attention. If he desires refund in your favor, 
authority 1 to that effect 1 should be included in his letter. 

Very truly yours, (143) 

N. E. Harker, Asst. Gen. Frt. Agt., 187 

Chattanooga 1 , Tenn. 
Dear Sir : 

J. L. Eitchie, a contractor 1 of this city, is getting his 
lime in carloads from several points, notably Cincinnati, on 
the line of the C. N. O. & T. P. Kailway, and upon our 
inquiring 1 the reason for his using that road, he said they 
give him free cartage 1 on this and other materials. If you 
will remember, we have heretofore 1 handled 1 a large num- 
ber of this contractor's shipments, and we regret to see his 



108 THE COMPLETE DICTATER 

business pass into the hands of competing lines because of 
this small cartage charge. If you could allow us to reduce 
our rate one cent per hundred pounds on his lime shipments, 
this would equalize 1 the cost of cartage, and we believe 
would get the business for our road. As Mr. Ritchie is 
about to arrange for some additional 1 large shipments of 
building materials, we should like to receive from you 
authority 1 to bid for his business on the basis of the one- 
cent reduction 1 in the lime rate. (163) 
Very respectfully }^ours, 

Messrs. F. & D. Walker, 188 

Lacrosse, Wis. 1 
Gentlemen : 

We are obliged to return papers in your claim of Sep- 
tember 1 8 for alleged damage to one case of glassware 1 
shipped from Milwaukee 1 , August 5, over our line in car 
C. M. & St. P. 43729. We have taken up this claim with 
our freight agent at Lacrosse and have his report today, 
which says that shipment in question 1 reached Bacrosse in 
good condition, with no indication 1 of contents being broken. 
This case was of such a nature that had the glass been 
broken while in our possession, the rattle of the pieces would 
have directed 1 the attention of our delivery clerk to the 
damage. The damage evidently occurred in the delivery of 
the case from our depot to your ware-room. In view of these 
facts, we must respectfully 1 decline your claim. (133) 
Very truly yours, 

Miss Emma Lee, 189 

Easton, Pa. 
Dear Madam : 

Replying to your letter of the 26th instant, we beg to 
advise you that the winter excursion 1 rate from Philadel- 
phia 1 to Jacksonville 1 , Fla., and return is $40. These tickets 



RAILROADING 109 

bear a final limit of May 31, 1907, a transit 1 limit of thirty 
days in each direction 1 , and do not allow stop-over 1 privi- 
leges 1 between Philadelphia and Washington 1 . At Wash- 
ington a stop-over of ten days is allowed in each direction, 
by depositing the ticket with the agent at that point. Sonth 
of Washington stop-overs will be allowed by depositing the 
ticket with the agent at each point where the journey is 
broken. 

From February 1 6 to 11 inclusive 1 , we will have on 
sale excursion tickets from Philadelphia to Savannah, Ga., 
and return, account of meeting of the Federated 1 Women's 
Clubs, at the rate of $30. These tickets will bear a final 
limit of February 16, but such limit can be extended to 
March 2 upon depositing the ticket with the validating 1 
agent at Savannah and paying fifty cents. The tickets bear 
a transit limit of three days in each direction, and will per- 
mit stop-over at Washington. (189) 
Very truly yours. 

Mr. Eugene Gensel 1 , Agt., 190 

Watkins 1 , N. Y. 
Dear Sir : 

We understand you have been tracing the following 
shipments without success : From Watkins, N. Y., August 
15, car D, L. & W. 43271, with grapes consigned to Jacob 
Beech, Pottstown, Pa ; and car N. Y. C. 5238, with grapes 
consigned to C. C, Flint, Lebanon 1 , Pa., both cars having 
been routed via Lehigh Valley Transportation 1 Company. 
We have been tracing them through Mr. James who reports 
no account of them, under date of the 4th inst. Will you 
please advise us whether cars were routed via L. V. T. Co. 
or via P. & R, and then continue tracing for delivery to us 
at either point, this information to be transmitted 1 to us 
direct 1 by Mr. Wiley in order to save time. (122) 
Yours truly, 



110 THE COMPLETE DICTATER 

Frank H. Ramsey, Chief Engineer 1 , 191 

Baton Rouge 1 , La 1 . 
Dear Sir : 

In regard to the improper 1 spacing of cross-ties, I 
have to say that I walked over several miles of track yester- 
day 1 and was surprised to find the cross-ties spaced so irreg- 
ularly 1 . On the No. 2 track, which is a down-grade freight 
track, the creeping of the rails has carried the ties forward 
to such an extent that I am afraid the point of safety has 
been overrun. A rail being a continuous 1 beam and subject 
to stresses due to impact 1 and other causes not calculable 1 , 
cannot be figured as a simple beam ; in addition, supports 
are never perfect 1 , and again the cross-section 1 through wear 
becomes considerably 1 diminished 1 . The strain on the rail, 
even when the ties are regularly 1 spaced, is considerable, 
and in no case should the distance between the supports be 
allowed to increase. The specifications 1 for maintaining 1 
the track state that the ties must be regularly spaced under 
the rail. We must insist that the instructions be adhered 1 
to, and we shall be pleased if you will have the assistant 
engineers and their supervisors 1 understand the importance 
of following up this matter and giving it personal attention. 
Yours truly, (193) 

G. H. Knox, Agent, 192 

Cumberland 1 , Md. 
Dear Sir : 

We are advised that in order to preclude the possi- 
bility 1 of future shipments of ties from the South including 
some not regularly 1 examined by our inspectors 1 , it has been 
decided to lay aside any faulty ties found on cars shipped 
from Virginia that do not bear P. R. R. inspector's hammer 
stamp, and I shall be glad if you will have the necessary 
instructions issued to have this plan carried out. 

The No. 1 ties should bear the impression of the key- 



RAILROADING 111 

stone end of the inspectors hammer, and No. 2 ties should 
show not only this impression, but also a large No. 2 made 
with the other end of the hammer. (Ill) 
Yours truly, 

Edgar H. Hanneman 1 , Gen. Fit. Agt., 193 

Jackson, Mich. 
Dear Sir : 

Will you kindly advise me by return mail the lowest 
rate you can make on ten carloads of apples destined to 
Louisville, Ky 1 ., to be ready for shipment early next week? 
I understand the Merchants 1 Dispatch intends 1 to quote a 
rate via Toledo and Columbus 1 of 19c. per hundred pounds. 
Can we not work the business via Chicago at the old rate of 
I8J0. ? If so, I feel assured of getting the traffic 1 , as the 
nearest approach to the Merchants' rate is 20c. via the Union 
Line. 

As shipments of fruit from this section will be unusu- 
ally 1 large this season, I hope you will give this matter 
prompt attention and arrange, if possible, to take care of 
this initial 1 consignment 1 at the I82C. rate. (129) 
Yours respectfully, 

Mr. E. C. Fentou 1 , 194 

Montgomery 1 , Ala. 
Dear Sir : 

I thank you for the information given in your letter 
of the 6th instant, but regret that it has not assisted us thus 
far in locating the letter of December 1 29 last which you 
claim to have sent here, enclosing for redemption 1 some 
tickets of our issue, among which was one from Montgomery 
to Mobile. I note your statement that in the same letter 
you requested redemption of a ticket from Greenville, Ala., 
to Pensacola 1 , Fla., and that the amount due for that ticket 
was received. 



112 THE COMPLETE DICTATED 

May I trouble you for further information as to the 
exact 1 date on which the remittance 1 was received, and, if 
possible, the number of check covering the same. May I 
also ask that you kindly give me the name of the passenger 1 
who, you state, was compelled 1 to pay fare from Savannah, 
Ga., to Birmingham 1 , Ala., in absence of the immigrant 
ticket, and on what date and train such fare was paid ? 

Upon hearing from you again I will give the matter 
further attention. (170) 

Yours truly, 

Mr. C. Wesley Mausland, 195 

Hastings, Neb. 
Dear Sir : 

Eeferring to your letter of the 10th instant in regard 
to the situation 1 affecting 1 demurrage 1 charges, I understand 
that by direction 1 of our auditor 1 of miscellaneous 1 receipts 
and accounts, your name was dropped from the list of those 
accepting the monthly 24-hour average basis for computing 
demurrage on cars handled 1 as of October 1, 1906. This 
made it necessary for the agent to protect 1 himself by hold- 
ing the cars until the accrued 1 demurrage was paid. At his 
request we sent a representative 1 to your office to present a 
bill for $18, demurrage due on cars detained October 1 8, 9, 
16, 17, and 18. This bill was positively 1 refused by you. 
In addition to this, the agent is holding Union Pacific car 
23397, partly loaded, on which demurrage is accruing at the 
rate of $1 per day. I would therefore suggest that the mat- 
ter be straightened 1 out promptly, and to save further 
expense, that you make application 1 to the treasurer 1 or get 
in touch with the auditor of miscellaneous receipts and 
accounts, so that you may again be placed on the 24-hour 
average basis. (187) 

Yours truly, 



RAILROADING 113 

H. K. Buchanan 1 , Esq., 196 

Guthrie 1 , Okla 1 . 
Dear Sir: 

Replying to your favor of the 10th instant in regard 
to the shipment of old material sold by the purchasing agent 
f. o. b\ nearest point on the division, with freight at regu- 
lar 1 commercial 1 rates, the practice on our division is as 
follows : Upon receipt of requisition 1 a copy is furnished 1 the 
supervisor 1 who secures the car, has it light weighed, mate- 
rial loaded, and car weighed loaded. He makes out a bill 
of lading and gives it to the agent at the shipping point. 
The bill of lading shows the full information as to the f . o. b. 
point, etc., as indicated 1 on the requisition. The agent 
looks up his classification 1 on that kind of material, figures 
out the distance 1 to destination 1 , and uses that distance to 
secure his rate. He then way-bills 1 it through, noting on 
the face of the way-bill as to the shipment f. o. b. cars at 
the nearest point on the division, which, of course, explains 
the rate used. (166) 

Yours very truly, 

Homer J. Hotchkiss 1 , Frt. Agt., 197 

Elmira 1 , N. Y. 
Dear Sir : 

In regard to tank cars with shipments of gas oil being 
carded 1 with C. T. 675 inflammable 1 cards, we are advised 
that gas oil is similar to fuel oil, and that the fire test of 
both oils has a very wide range. Therefore, upon a deci- 
sion 1 of the chief of the chemical department, to whom the 
matter was referred, we are instructed 1 that cars containing 
either of the above commodities 1 should be carded with C. 
T. 675-A inflammable cards. (80) 
Yours truly, 



SHIPPING 

Messrs. Castner 1 , Curran 1 & Bullitt, 198 

Newport News 1 , Va 1 . 
Dear Sirs : 

Enclosed please find contract duly signed for the sea- 
son's supply of bunker 1 coal for such steamers to our con- 
signment 1 or under our control as may call at Newport News 
prior to and including December 31, 1907. It is understood 
that after each steamer is supplied with the quantity 1 of 
coal she requires, you are to take the captain's 1 demand 
draft upon us for the cost thereof, and add to said draft all 
additional 1 expenses for disbursements 1 in connection 1 with 
the vessel's entering and clearing at your port. We trust 
you will see that we continue to secure Pocahontas 1 coal of 
such quality 1 as has heretofore 1 given us entire satisfaction. 
Yours truly, (108) 

Messrs. Golder & Longaker 1 , 199 

Duluth, Minn. 
Dear Sirs : 

Oilcake 1 : We have your telegram 1 offering us three 
hundred (300) tons each month for Kotterdam 1 from Sep- 
tember to December inclusive 1 , at twelve cents (12c.) per 
100 lbs., and have replied advising that thirteen cents 
(13c.) is the best we can accept. We have your later mes- 
sage advising that shippers accept our counter 1 offer, and 
that they now await contracts in confirmation 1 . 

Flour : We have your offer for fifty (50) cars for 
Leith at eleven cents (lie ) and thirty (30) cars for Baltic 
ports in June at nine cents (9c), Copenhagen 1 , for basing 
purposes ; both of which offers we have had to decline, as 
we do not care to engage ahead at rates now current 1 , 

114 



SHIPPING 115 

Contract 1227 : We note that by reason of a fire in 
shipper's plant, two hundred (200) tons of this engagement 1 , 
which we booked for April shipment from the West, will 
not be forwarded at present, and in accordance 1 with your 
wishes we have extended time of shipment to June. (155) 
Yours very truly, 

Messrs. Beggs & Quimby 1 , 200 

London, Eng. 
Dear Sirs : 

We have your letter of April 11, from which we with- 
draw charter 1 parties of the steamers Anthony and Frank, 
which we note have been fixed by your goodselves 1 to load 
cargoes 1 of Scotch pig iron at Adrossan, Scotland 1 , for 
Philadelphia 1 . We thank you for the consignment 1 of the 
said vessels to this port. We have interviewed 1 the receiv- 
ers of the two cargoes, and present indications 1 are that the 
steamer Anthony will be discharged 1 at the Port Richmond 1 
terminals 1 of the Philadelphia and Heading Kailway Com- 
pany, and the steamer Frank will be discharged at Girard 1 
Point, the ore and pig iron terminals of the Pennsylvania 1 
Railroad Company. 

In respect to stevedoring 1 , we wish to say, the regular 1 
charge is twenty-five cents per ton of 2240 lbs. for unloading 
pig iron, and we are unable to make a cheaper arrangement 1 
and secure first-class 1 work and a maximum 1 quantity 1 to 
be unloaded each twenty-four hours. You as a ship-owner 
know it is best, as a rule, to employ the regular 1 stevedores 
to load and discharge vessels assigned to the respective 1 
railroad terminals, owing to the greater familiarity 1 of these 
men with the particular work,, which is apt to result in a 
larger output of cargo per day. 

We observe that you do not wish us to make any 
remittances 1 to you on account of the inward freight of 



116 THE COMPLETE DICTATER 

either vessel, but that the balance in our hands, after pay- 
ing stevedore's charges and other needful disbursements 1 , 
is to remain with us on account of outward disbursements 
on the two cargoes of case oil which are to load here for 
Japan 1 . (266) 

Very truly yours, 



Mr. .Daniel 1 L. Humphreys 1 , 201 

Minneapolis, Minn. 
Dear Sir : 

Enclosed find freight engagement 1 for ten thousand 
(10,000) sacks of flour to be shipped per Cosmopolitan 1 Line 
steamer or steamers from Baltimore 1 to Copenhagen 1 during 
the month of May of the present year. It is understood that 
this flour Shall be available 1 at Baltimore for shipment any 
time after April 30, and that any portion not ready for 
delivery by May 15 shall eventually 1 be forwarded at the 
option of steamer from Baltimore during June or July fol- 
lowing. 

In response to your inquiry, we beg to enclose you a 
list of arbitraries 1 beyond Copenhagen, embracing one hun- 
dred and sixty ports or places in the kingdoms of Denmark 1 , 
Sweden 1 , and Norway 1 , the province 1 of Finland 1 , and cer- 
tain Russian 1 and German Baltic ports. These arbitraries, 
as you will notice, provide a certain fixed rate of charge per 
ton of 2240 lbs., gross weight, which added to the rate from 
Baltimore to Copenhagen, make in reality in each case a 
through rate of freight from Baltimore to substantially 1 any 
port in Denmark, Sweden, Norw 7 ay, Finland, etc. The 
buyer of the flour in Copenhagen is then enabled to declare, 
upon arrival 1 of the steamer at that port, the ultimate 1 port 
of destination 1 of the w T hole or any portion of the ten thou- 
sand sacks of flour. (210) 

Yours very truly, 



SHIPPING 117 

Mr. Sidney Dickinson, 202 

Glasgow, Scotland 1 . 
Dear Sir : 

Confirming our respects 1 of the 11th instant, we are 
since then without any of your favors by mail or cable to 
acknowledge 1 . 

Accounts : We herewith transmit 1 you disbursement 1 
account and statement of inward freight on the S. S. Drexel- 
onian 1 , the former showing a balance in your favor of 
$4298.10, in liquidation 1 of which we herewith hand you 
demand draft on Messrs. Parrs' Bank, Ltd., London, to your 
order, for the equivalent 1 in sterling 1 , say £885-7-8 at 
$4.8545 exchange 1 . We trust you will find everything in 
order. We are also forwarding you all relevant 1 vouchers 1 
in connection 1 with the account. 

Outturn 1 Weight : While it is a fact that the cargo of 
pig iron turned out slightly in excess of quantity 1 mentioned 
in bill of lading, we cannot render bill for additional 1 freight, 
for the reason that before the discharge 1 of the steamer was 
begun, we made, in your interest and in accordance 1 with 
your authority 1 , an arrangement 1 with the receivers of the 
cargo 1 to pay them freight on the quantity as specified 1 in 
bills of lading, irrespective 1 of what the outturn might be. 
You will see, therefore, that in this exceptional incident 
where outturn weight, as determined 1 by the United States 
Customs' returns, is somewhat in excess of the bill of lading 
weight, we are debarred from the right to collect freight for 
the excess of cargo as thereby shown. 

In pig iron shipments the outturn is almost invari- 
ably 1 less than the intake weight, as shown by the foreign 
bills of lading. The shortage 1 is due to the sand which 
attaches to the pigs during their process of manufacture 1 , 
amounting sometimes 1 to quite a percentage 1 , and which is 
detached 1 from the pigs every time they are handled 1 and 
jolted against each other in the discharge or stowage of the 
cargo. It is not unusual 1 for us to find in the hold of a ves- 



118 THE COMPLETE DICTATER 

sel, after her cargo of pig iron has been discharged, a quantity 
of this loose sand amounting to ten or twenty tons in 
weight. (338) 

Very truly yours, 

Mr. Owen R. Maxton, 203 

Copenhagen 1 , Denmark 1 . 
Dear Sir : 

We are today in receipt of your letter of the 19th 
instant advising us that the S. S. Mary has been fixed to 
load a cargo 1 of ore at Huelva 1 for New York, and that we 
may expect her here about the 15th of May. We have found 
copy of the charter 1 party as advised, and note the terms 
thereof. It is also observed that you are very desirous 1 of 
having her unloaded at New York at the earliest moment 
practicable 1 so that she can enter upon her outward time 
charter, also to insure her being ready to be tendered 1 within 
the cancelling 1 date stipulated 1 in the charter party. 

As you state you have not had any cargoes of ore 
delivered at New York for a long time, we have pleasure in 
complying with your request, and hand you herewith state- 
ment of recent cargo delivered here, showing how the settle- 
ment was made in connection 1 therewith under substantially 1 
a similar charter to that of the Mary. 

It is doubtless thoroughly 1 appreciated 1 by you that 
serious 1 inroads are made upon the normal 1 rate of freight by 
the various deductions 1 for dispatch money and for agreed 
rates of stevedoring 1 the cargo over and above the actual 
cost thereof. In other words, although the rate of marine 
freight on the face seems reasonably good, by the time dis- 
patch money for loading and discharging 1 is deducted, also 
the difference between the rates of stevedoring stipulated to 
be paid by vessel and the final rates as paid by the owner of 
the ore, the actual rate of freight is very much less than the 
apparent 1 rate as specified in the charter party. (272) 
Yours very truly, 



STEEL AND IRON 

The Revere 1 Shipbuilding 1 Co., 204 

Gloucester 1 , Mass. 
Dear Sirs : 

In answer to your inquiry of the 29th instant for a 
quotation on one forged 1 steel propeller 1 shaft and one pro- 
peller shaft nut, as shown on sketch submitted, we hereby 
confirm 1 our verbal quotation made you today on the shaft 
of 7 J cents per pound and on the nut of 12 cents per pound ; 
these prices being f. o. b 1 . cars, Gloucester. We would pro- 
pose making these forgings in accordance 1 with Lloyd's re- 
quirements and rough-machined all over, with an allowance 
for finishing 1 to dimensions given, including boring of the 
hole in the nut. 

We are prepared to rush these forgings through imme- 
diately on receipt of your order, and can promise shipment 
within five days after receiving your instructions 1 . (119) 
Yours very truly, 

Harrison Manufacturing 1 Co., 205 

Bellaire 1 , O. 
Dear Sirs : 

We have pleasure in acknowledging 1 the receipt of 
your favor of the 18th inst. sent to our Pittsburgh 1 office 
direct 1 , in regard to furnishing 1 \ /f wide cutters from the 
old dies. In reply we beg leave to say that we feel we 
should be allowed to continue 1 using these dies in furnishing 
the cutters, as they will make forgings 1 that will have the 
minimum 1 measurements in every respect, excepting the 
all-over length which will be up to, but not exceed, the 
maximum 1 measurement given on original 1 blue-print 1 fur- 
nished us. We understand that it is necessary for you to do 

119 



120 THE COMPLETE DICTATER 

considerable grinding on these cutters to make a cutting 
edge, and it would mean comparatively 1 little extra grind- 
ing for you to reduce the cutters to the minimum measure- 
ment. 

We will go ahead and furnish these cutters from the 

old dies until the over-all length of the cutters exceeds the 

maximum dimensions given, when we will promptly arrange 

to make new dies. We hope this will be satisfactoy to you. 

Very truly yours, (172) 

Leonard 1 Machine Company, 206 

Toledo, O. 
Dear Sirs : 

We beg to acknowledge receipt of your order No. 
3449 of the 23d instant calling for a lot of 52 brass and 
phosphor-bronze castings. We have entered this order for 
our best attention. The castings called for will be made of 
the best grade of brass and phosphor-bronze, and in accord- 
ance 1 with conversation 1 with your Mr. Leonard today, we 
will arrange to bill these castings to you at an average price 
of 27 cents per pound f. o. b. cars, Toledo, Ohio. Terms, 
net cash, thirty days from date of invoice, instead of 26 
cents per pound, as noted on your order. 

We greatly appreciate 1 this order, and hope to receive 
your future business in this line. (119) 
Very truly yours, 

Mr. J. Eaymond Smith, 207 

Erie, Pa. 
Dear Sir : 

With respect to our order No. 6930 covering the Erie 
Iron Co.'s order No. 37961 for 1500 tons of neutral 1 all-pig 
iron muck bar, we wish to advise you that purchasers 1 have 
received the first two cars of the 100 tons shipped them, and 



STEEL AND IRON 121 

state that it will be satisfactory for us to proceed with the 
manufacture 1 of the remaining 1400 tons, furnishing it in 
4 /r x \" bars, until further advice from them. They, how- 
ever, state that on the first two cars shipped them there was 
a lot of scrap muck bar, and they request that we be very 
careful in the future to ship nothing but neutral all-pig iron 
muck bar. They also request that we rush shipment for- 
ward as fast as possible. (129) 

Yours truly, 

The Altoona Iron Co., 208 

Altoona, Pa. 
Dear Sirs : 

Referring to conversation 1 with Mr. Taylor 1 in regard 
to stay-bolt 1 iron, we beg to quote you on 500 to 1000 tons a 
price of 2.85 cents per pound f. o. b 1 . cars, Altoona, Pa. ; the 
iron to be furnished in accordance 1 with your standard 1 
specifications 1 , or the Pennsylvania 1 Railroad Company's 
specifications, and to be specified by you during the first six 
months of this year. We could ship this iron at the rate of 
50 to 100 tons per week, if necessary. 

In regard to engine-bolt iron, we have to say that we 
have looked into this matter carefully and have decided not 
to quote at the present time, but shall be glad to take the 
matter up with you later. ( 122 ) 

Yours very truly, 

Mr. Thomas Newton, 209 

Jefferson City 1 , Mo. 
Dear Sir : 

As our Mr. Black advised you while in Jefferson City 
last Wednesday, we have been delayed in forwarding 1 the 
drop forgings 1 by several accidents 1 over which we had no 
control. If it is possible to ship any of these axles before 



122 THE COMPLETE DICTATED 

the date mentioned in your letter, we will certainly do so. 
Our promise was made in perfect 1 faith, contingent 1 , how- 
ever, upon unavoidable 1 delays. We will do everything in 
our power to get these axles out to you at an early date, and 
regret very much to have caused you this inconvenience 1 . 

Yours truly, (91) 

Mr. John Holland 1 , 210 

Leadville 1 , Colo 1 . 
Dear Sir : 

We must call } T our attention to our order No. 6678 
covering the Leadville Machine Co.'s order for standard 1 
basic steel ingots 1 , to be shipped to the Eastern 1 Forge Com- 
pany. On the 24th inst. we wrote to you stating that the 
Eastern Forge Co. have called the Leadville Machine Co.'s 
attention to the carbon 1 reports of the various ingots shipped 
them, giving several instances in which differences exist 
between their analyses 1 and ours, and requesting that you 
kindly 1 investigate 1 this matter. Please answer our letter 
as promptly as possible so that we may be fully informed 1 
on the subject. (97) 

Yours very truly, 

A. B. Wheeler 1 Manufacturing 1 Co., 211 

Detroit, Mich. 
Dear Sirs : 

Replying to your inquiry 1 of January 1 23 for price 
and time of delivery on twelve single-throw crank shafts 
and twelve connecting 1 rods, as shown on your blue-prints 1 , 
we would advise that we are not at the present time in a 
position to furnish the crank shafts finished 1 completely as 
asked for, but can arrange to supply them with the shaft 
portions rough-turned, with an allowance for finishing, at a 
price of 28 cents per pound f. o. b 1 . cars, Detroit, Mich. 
Terms, net cash, 30 days from date of invoice. The shafts 



STEEL AND IRON 123 

would be made of our standard 1 grade open-hearth steel. 
If favored with your order, we could arrange to make deliv- 
ery beginning within thirty -five to forty days and com- 
pleting within sixty-five days from its receipt. 

We regret to state that at the present time we are not 
in a position to quote on the connecting rods. (151) 
Very truly yours, 

Mr. Wm. Thomas, 212 

Joliet, 111. 
Dear Sir : 

For your information, please note that we had the 
samples of muck bar that were shipped to our works by the 
Blake Shovel 1 Co., analyzed 1 , and found the following 
determinations 1 : sulphur 1 , .005; phosphorus 1 , .045. On 
taking this matter up with Mr. Sloan, he advised us that 
we might quote them $40 per gross ton f. o. b 1 . cars, our 
works, for this grade material, cut into short pieces, at the 
rate of two carloads per month. In making quotations, we 
would advise that you quote on a muck bar of a similar 
composition as that which the Western 1 Steel Co. are now 
furnishing 1 them, making a detailed 1 report of our analysis 
at the works. Of course, you understand 1 that we shall be 
unable to get our sulphur content as low as the Western 
Steel Company's. 

Hoping you may be able to secure this business, we 
remain (147) 

Yours very truly, 

Messrs. R. C. Lewis & Bro., 213 

Macon, Ga. 
Dear Sirs : 

We have your order No. 2035 for two bars of tool 
steel to be used for spike dies. We would suggest the use 
of our Apollo special high-speed tool steel for this class of 



124 THE COMPLETE DICTA TER 

work, the price of which is as stated in our letter of Janu- 
ary 23. Should you, however, prefer 1 to use our A-l steel, 
our price would be 16 cents per pound. In our opinion, 
the Apollo steel would be better suited to the purpose 1 . 

Kindly advise as promptly as possible which grade of 
steel you desire us to furnish on account of this order, and 
oblige (102) 

Yours very truly, 

Mr. Wilson 1 Langdon, Sales Agt., 214 

Bethlehem 1 , Pa. 
Dear Sir : 

Confirming 1 the conversation 1 had with the writer 
yesterday 1 , we will purchase from you one carload of strictly 
No. 1 wrought scrap iron at $19 per gross ton f. o. b 1 . cars, 
Bethlehem. This car is to consist of rods, shaftings 1 , and 
angles, but nothing will be accepted over 3" in diameter 1 or 
under \" in thickness and 8 r/ long, with the exception of 
the few bundled 1 flat bars you offered us. We believe we 
can arrange to accept the Z\ f/ iron rails, but will advise you 
of this when we send shipping instructions 1 , which we hope 
to do within a few days. 

The writer saw the crane you have for sale in the 
foundry 1 , and will offer for it $100 f. o. b. cars, Bethlehem. 
If you care to accept this offer, we hope you will do so 
within the next week as we have need for another crane, and 
if we cannot purchase this one we must look elsewhere 1 . 

Yours very truly, ( 166 ) 

Messrs. William Harris & Co., 215 

Baltimore 1 , Md 1 . 
Gentlemen : 

We have your favor advising us that you have drawn 
on us through the First National Bank of Norristown 1 for 



STEEL AND IRON 125 

$8000, being approximate 1 cover for 1746 steel billets, bill of 
lading for which will be handed us against payment. We note 
you are unable to close this transaction 1 , as you cannot get 
the custom-house 1 weight certificate 1 , but that as soon as 
you do, you will advise us. In reply we would say that the 
draft was presented to us this morning and duly honored, 
although we think you have considerably 1 overdrawn 1 on 
us. Mr. Kelly's letter to us states that you have forwarded 
us approximately 300 tons, and at $32 per ton, less 1 % for 
cash, we figure that your overdraft 1 is $1000 to $1200. 
However, we supj)Ose this will be properly 1 adjusted 1 when 
you receive the custom-house weight certificate. Kindly 
mail this certificate to us as soon as you receive it so that we 
may set the matter right without delay. ( 169) 
Yours truly, 



Southern 1 Steel Co , 216 

Portsmouth 1 , Va 1 . 
Gentlemen : 

In answer to yours of the 3d instant, we will state 
that we still manufacture 1 corrugated 1 iron sheets in lengths 
up to 9 7 and widths of 24 /7 and 26 /7 . You do not state what 
thickness you desire ; the usual thickness is No. 20, 22, or 
24 gauge ; but No. 20 is preferable 1 as it is heavier 1 and 
lasts longer. You say your roof will take 16 sheets 6 7 x 2 / . 
Does this include lapping of sheets, or is it simply the 
measurement of the roof ? It will be necessary to overlay 
each sheet one corrugation 1 in order to make it water-tight. 
Will your peaked roof need a ridge roll ? This we do not 
manufacture, but we can have it made for you. In order 
to quote a price on this material, we must know the gauge 
you want, as the price depends upon the thickness of sheets. 
Very truly yours, (153) 



126 THE COMPLETE DICTATER 

Western x Bridge Co . , 217 

Chicago, 111. 
Gentlemen : 

We are supplying a number of bridge-builders with 
malleable iron nuts for eye rod pins, and we should like to 
quote you on your requirements for this material. We are 
in position to make close figures 1 , and as you will no doubt 
readily recall the fact that we secured an order for you last 
year from the H. & B. T. E. K. Co. for a turn-table 1 , we 
trust you will be able to reciprocate 1 and let us have your 
business in the line of pin nuts. 

We can now quote you $2 per foot for No. 20 galva- 
nized 1 iron pipe, riveted and soldered 1 and put in place ; 
$7.50 each for one or more five-piece galvanized iron elbows. 
The diameter 1 of pipe and elbow would be 24 inches. To 
make the flange of galvanized iron would cost $2. We shall 
be glad to have your order. (152) 

Yours very truly, 



Mr. John Walton, 218 

Muskegon 1 , Mich. 
Dear Sir : 

In reply to your inquiry 1 of the 2d instant, we wish 
to say that we will furnish 5000 tons of our standard 1 sec- 
tion No. 469 seventy-pound tee rails, in 30 ft. lengths, with 
the usual 10% shorter 1 lengths, first quality, for $33 per 
gross ton ; with 5% of second quality rails for $32 per gross 
ton ; with the necessary angle splice plates for 2c. per 
pound ; bolts and nuts 4c. per pound — all f . o. b. cars, our 
mill, with freight allowed to Muskegon. 

If favored with your order we could make shipment 
during July and August. (104) 

Very truly yours, 



MOTOR CARS 

Mr. W. D. Wilson 1 , 219 

Pittsburgh 1 , Pa. 
Dear Sir : 

We are enclosing a print from a half-tone 1 of our 1907 
touring car, and should like to have you give the cut a 
moment's attention. Should the appearance of the car meet 
with your favor, we trust you will feel interested in giving 
it further consideration, and we will promptly mail you any 
particulars you may desire regarding the constructive 1 detail 
or general working of the car. We have thoroughly 1 tested 
the car on hundreds 1 of miles of the worst 1 of road surfaces, 
and nothing has been found wanting to make it a complete 
success. 

May we regard you as a possible purchaser 1 and 
arrange to give you a demonstration 1 free of charge ? (114) 
Yours truly, 

Upton Motor Works, 220 

Frankfort 1 , Ky 1 . 
Gentlemen : 

If I should again consider taking the agency for Knox- 
ville 1 and surrounding 1 territory 1 for your machine, what is 
the very closest 1 price you would be willing to make on the 
Maron body car, fitted with full leather 1 top? At present 
no high-class 1 car is being sold in Knoxville ; I mean by this 
not a single car that will withstand 1 all kinds of roads and 
show the mileage or horse-power that yours has demonstra- 
ted 1 . It occurs to me that an up-to-date car with a good 
engine would sell well here, as there are many people who 
would purchase a machine if they could be assured that the 
first cost was the greatest cost. I myself wish to invest in a 
car, but do not want to buy one that will cost me double 

127 



128 THE COMPLETE DICTATER 

the original 1 price to keep it in repair the first year. For 
my information, you might send me a cut of the car men- 
tioned, together with any printed matter you have descrip- 
tive 1 of the engine, ^tc 1 . (172) 

Yours very truly, 

Franklin 1 Touring Car Co., 221 

New Britain 1 , Conn 1 . 
Gentlemen : 

We have your letter of the 18th inst. by Supt 1 . 
Bradford 1 , and in reply must state that we do not carry in 
stock finished 1 axle equipment 1 , such equipments being 
made on order and in quantities 1 only. The clutch drive or 
floating rear axle shown as Exhibit A in our catalogue, is 
used on the Martin car this season. Front and rear axles 
complete with foreign type bearings as shown, would cost 
approximately 1 $295 per set when ordered in lots of one 
hundred sets. We could not undertake a smaller order than 
fifty sets at an increase of 15% over prices quoted. In the 
season closing June 1 last we furnished 1 to the trade com- 
plete front and rear axles for 9600 automobiles 1 , all of which 
material was furnished on order. (131) 
Yours very truly, 

Mr. Thomas Mitchell 1 , 222 

Marion, Ind 1 . 
Dear Sir : 

We have your letter and order of the 18th for one sec- 
ondary 1 transfer 1 switch 1 for 4-cylinder 1 engine to be used in 
throwing secondary from magneto 1 to battery ignition 1 . In 
this connection 1 , we wish to state that there are many kinds 
of switches for high-tension magnetoes and not two alike. 
It all depends upon the system of the magneto and coil 
used. If you want this switch for Mr. Mason's car, which 
is equipped 1 with our magneto, having also a high-tension 



MOTOR CARS 129 

distributer 1 with a battery, you could use a single switch 
running from the magneto to the switch and from the switch 
to the ground, and have another switch for your other 
ignition. We do not have on hand any secondary transfer 
switches, but if you desire, we can send an order to Paris 
at once and get them w 7 ithin three or four weeks ; or if you 
will let us know exactly 1 what you intend 1 to do with this 
switch and what kind of ignition you have on your car, we 
may be able to manufacture 1 a special switch for you. 

Very t r uly y ours, (183) 

Swinton 1 Motor Car Co., 223 

Philadelphia 1 , Pa. 
Gentlemen : 

Enclosed find our check for $400, being twenty per 
cent, of the purchase price of the Swinton car ordered from 
Mr. Minds at the recent automobile 1 show. We would 
have mailed this before, but were waiting to hear from you 
in regard to a contract which was to have been mailed to 
us as soon as your agent reached home. We have had some 
inquiries 1 about your machines, and should like to know 
where in New York you permanently 1 exhibit 1 . 

Please give us some idea of the date of delivery of 
our demonstrating 1 car, and make it as early as possible, as 
we are anxious 1 to do business with it. (110) 
Respectfully yours, 

Mr. C. S. MacKellar 1 , 224 

Norwalk 1 , Conn 1 . 
Dear Sir : 

The 1907 Mercurys 1 are here. The famous single- 
cylinder 1 models hardly need an exhaustive 1 description — 
they are so widely used and known. It is an interesting 
fact that there are 15,000 of these cars in active service 
today, each upholding 1 the Mercury reputation of costing 
less to operate, of lasting longer, of being more reliable 1 , 



130 THE COMPLETE DICTATER 

and of representing 1 more real return for the first cost, than 
any other make of machine. 

The single-cylinder Mercurys this year consist of the 
runabout 1 , $800, 30*x3* wheels; light (five-passenger 1 ) 
touring car, $950 ; folding tonneau, $1000 ; coupe, $1350 ; 
light delivery, $950. 

As this is the time to place orders for the new cars, 
we hope you will permit us to arrange a demonstration 1 for 
you of the particular model you wish to purchase. (139) 
Very truly yours, 

Cranston 1 Motor Vehicle 1 Company, 225 

Lewiston 1 , Me. 
Gentlemen : 

We regret very much to find it necessary to write you 
regarding the first car purchased from you last year. As 
you remember, it was sent back to the factory and was to 
be put in first-class 1 running condition. We received the 
car here, sold it, and it was in service only a few days when 
it developed 1 a decided knock in the motor. We were 
obliged to take the bottom of the crank case off, and found 
that the lower half of the center crank-shaft bearing had 
broken in half. This we repaired. At the time we noticed 
that the connecting 1 rods were somewhat loose, but did not 
feel that this was going to cause any trouble, so we put the 
car together. These repairs required about thirty hours of 
labor. On trying the car we found, much to our surprise 1 , 
that the defect 1 had not been overcome, and we were obliged 
to take it apart again, this time making new wrist pins and 
bushings and readjusting 1 other parts of the mechanism 1 . 
Three days after the car was put on the road it again col- 
lapsed 1 , and Mr. Johnson, the owner, now wants to know 
what can be expected 1 of us by way of putting the machine 
in permanently 1 serviceable 1 condition. We are at a loss to 
know how to act in the matter, and await your instructions 1 . 
Yours very truly, (230) 



MOTOB CARS 131 

Mr. Joseph N. Malloy, 226 

Dover, N. H 1 . 
Dear Sir : 

Keplying to your inquiry 1 of the 9th inst., we can 
quote you a cash price of $350 each, net, on a quantity 1 of 
our 34 H. P. vertical 1 4 cylinder 1 automobile 1 motors. The 
cylinders are \\" bore with 5" stroke. The dimensions are 
as follows : Length of engine from outside face of flywheel 
to extreme end of crank case, 30"; diameter 1 of flywheel, 
16" ; face of flywheel, 4"; height from seat of crank shaft to 
top of motor, 22". 

This is a high-grade motor, very light, weighing 
about 340 pounds, and very strong, and has made a reputa- 
tion for itself second to none. The price includes clutch, 
carburetor 1 , timer, spark plugs, coil, circulating 1 pump 
attached, and wrench. You will notice we furnish more 
accessories 1 than are usually supplied by other manufac- 
turers 1 . We guarantee 1 this motor free from defective 1 
material and workmanship 1 . 

We are enclosing herewith copy of circular 1 describ- 
ing our marine motors, as we have just run out of cata- 
logues of our automobile motors, and new ones have not yet 
come from the press. As the marine motor is of the same 
design and make as the automobile motor, with the excep- 
tion of the bed plate, this circular will give you a very good 
idea of the motor you want. (221) 

Yours very truly, 

Decatur Manufacturing 1 Co., 227 

Decatur, 111. 
Gentlemen : 

We acknowledge receipt of your order of the 27th 
for five additional 1 type O motors. It will be impossible 
for us to ship these within thirty days as you request, and 



132 THE COMPLETE DICTATER 

the best we can do is one motor per week after April 17 and 
until May 15, but after that we can give you two per week 
until June 15, then four per week. These promises are 
based upon running our plant exclusively 1 upon your sizes, 
but we also have other customers 1 to whom we must give 
some attention, and as your specifications 1 were received 
very late in the season, it does not leave us much time to 
offer you. We are as anxious 1 to furnish you with our 
goods as you are to receive them, but we cannot make 
promises that will largely overtax 1 our capacity 1 . 

Referring to the matter of prices on our goods, would 
say that you possibly can secure lower quotations, but they 
are undoubtedly 1 from builders who have no experience in 
this class of work, and do not know the expense entailed 1 in 
manufacturing a marketable 1 and first-class 1 motor in quan- 
tities 1 ; and we question 1 their ability to deliver the goods, 
notwithstanding 1 their promises. It is necessary for build- 
ers of high-class 1 machinery 1 to get a fair price for their 
product in order that they can employ the highest grade of 
workmanship 1 and material, and support their output with 
a strong guarantee 1 . You will find our machines satisfac- 
tory in every way, and our guarantee is substantial 1 . There 
are certain classes of trade to which we cannot sell, as they 
are seeking cheap goods. 

We are naturally 1 Tushed at this season of the year, 
and do not wish you to take the deliveries above men- 
tioned as absolutely 1 definite. There are many factors 1 to 
consider in building motors, including deliveries of raw 
materials, contingencies 1 , etc 1 ., which make it very difficult 
for us to state absolutely what we can do. Moreover, it is 
impossible to obtain experienced 1 mechanics 1 on this work, 
which adds another factor of uncertainty 1 . We value your 
business, and will do everything possible to retain it. (355) 
Yours very truly, 



ELECTRICITY 

Mr. Samuel Hewett 1 , Jr 1 ., 228 

Leavenworth 1 , Kans. 
Dear Sir : 

Answering your inquiry 1 of March 24, I may say that 
when a direct 1 current 1 flows through a conductor 1 it is con- 
veyed by the entire 1 bulk of the conductor, the current 
being equally distributed 1 throughout the whole cross-sec- 
tion 1 ; hence the usefulness 1 of the expression 100 amperes 1 
per square inch, for example 1 . When an alternating 1 cur- 
rent flows through a conductor and the current has high 
frequency 1 , it is unevenly distributed. This effect, called 
the skin effect, is inappreciable 1 at commercial 1 frequencies 
and for conductors less than J inch in diameter 1 . At ex- 
tremely high frequencies the current may be said to lie 
wholly on the surface of the conductor. (107) 
Yours truly, 

Frank Disston, Esq., 229 

Oakland, Cal 1 . 
Dear Sir : 

Replying to your recent communication 1 regarding 
the various types of mercury 1 vapor lamps, we have to say 
that this lamp is now being extensively 1 used in nearly all 
the large cities of the country, and men who have worked 
under it claim that they soon become accustomed to its 
peculiar 1 color, and find the light very satisfactory. The 
lamp has its principal field in lighting large factory areas, 
draughting rooms, and other places of like character 1 , where it 
*has met with great favor. It is also used to some extent for 
lighting show windows, where its rather novel appearance 
gives it considerable value as an advertising medium. Pho- 

133 



134 THE COMPLETE DICTATES; 

tographers 1 have found it useful in their developing 1 work. 
We believe that for the work you mention this lamp would 
fully meet your requirements, and we think after you have 
used it you will agree with us that it fills a long-felt want. 
The method of operating the lamp, current 1 consumption, 
and other data, are given in the enclosed catalogue. (167) 
Yours very truly, 

The Newton Garage 1 Company, 230 

Newton, Kans. 
Gentlemen : 

We have your communication 1 of the 9th ult. relative 
to obtaining direct 1 current 1 at your garage, in order to 
charge your various automobiles 1 . As you are no doubt 
aware, the electric 1 lighting company's service in this sec- 
tion of the city is exclusively 1 alternating 1 current, and in 
order to furnish you with direct current, it would be neces- 
sary to arrange for installing rectifying 1 apparatus 1 of some 
sort, such as a motor-generator 1 set or a mercury 1 arc recti- 
fier 1 . In the event of your deciding to use either one of 
these methods, we would suggest that you replace your 
present panel board with one suitable for the purpose 1 you 
have in mind. 

Kindly let us hear from you at your earliest conven- 
ience 1 so that we may push the matter through without 
delay. We hope we maybe of further service to you in this 
particular. (145) 

Yours truly, 

Messrs. Collier 1 & Bean, 231 

Lawrence 1 , Mass. 
Dear Sirs : 

Answering your inquiry as to the best type of switch- 
board 1 instruments 1 to place in your new building, we 
would strongly urge you to place nothing but the best mate- 



ELECTRICITY 135 

rial obtainable 1 . Our experience has been that where cheap 
instruments have been installed, dissatisfaction 1 and con- 
stant complaint have resulted invariably 1 . In several cases 
in our recollection 1 it was necessary to make frequent 1 and 
costly repairs on this account. We would suggest that you 
have the instruments finished in a manner to conform 1 to 
the marble work and fittings of the switchboard. Double 
reading instruments, with a full scale deflection 1 of 800 
amperes 1 , will be best suited to your purpose 1 . With ref- 
erence to the switchboard itself, care should be exercised to 
see that it is properly 1 placed and supported 1 on angle irons, 
so that it will extend about eight inches from the wall. 

We shall be pleased to give you any further informa- 
tion you desire. (152) 

Very truly yours, 

Continental 1 Construction 1 Co., 232 

Des Moines 1 , Io. 
Dear Sirs : 

In furtherance 1 of my recent conversation 1 with your 
manager, I am greatly pleased to give you the additional 1 
information you asked for regarding electrical 1 engineering 1 
stations. In my opinion a main generating 1 station in a 
large city, such as you have in mind, should be located so 
that there will be readily available 1 a large amount of water 
for steam purposes 1 . It should also be in such a location 
that railroad sidings can be readily constructed, in order 
that a large coal supply may be assured. It is also best to 
secure as large an area as possible for the building, as the in- 
creased business will, in a few years, necessitate 1 extensions 
to the original 1 plant. There are, of course, other matters 
to be considered, but the three mentioned above are the 
principal conditions for which it is absolutely 1 essential 1 to 
provide. (142) 

Yours truly, 



i36 THE COMPLETE DICTATED 

Mr. Joseph W. Mansfield 1 , 233 

Hannibal 1 , Mo. 
Dear Sir : 

We find upon assembling the various telephone appa- 
ratus 1 for use in our laboratories 1 that certain pieces have 
somehow 1 been overlooked in the lists arranged for some- 
time 1 ago. We therefore wish to ask the favor of the loan 
of the following pieces to complete the sets we now have : 



2 


No. 


136 


jacks 


4 


14 


14A. 


key levers 


1 


u 


34D 


signal, unmounted 1 


4 


u 


406A 


keys 


1 


u 


41C 


signal, unmounted 


3 


li 


118U 


relays, unmounted 


3 


u 


16 


lamp sockets 1 


3 


a 


4G 


lamps 


3 


u 


186 


cord, 8" long 


4 


<t 


4A 


lamp caps 


4 


(1 


IE 


resistance 1 coils (102) 



Yours very truly, 

Rev. Michael Morris, 234 

Worcester 1 , Mass. 
Dear Sir : 

In reply to your favor of yesterday 1 with respect to 
furnishing you with an estimate for wiring your residence 
for ninety electric 1 lights, we wish to say that we have gone 
over this matter carefully, and beg to enclose you speci- 
fications 1 covering the work required. We find the cost of 
putting in an installation 1 that is first-class 1 and up-to-date 
in every respect, in accordance 1 with these specifications, is 
$450. This work will, of course, be subject to the inspec- 
tion 1 of the fire underwriters 1 before current 1 can be placed 
on the lines, which precaution is necessary in order to pro- 
tect 1 you in the matter of your insurance policies. The fee 
for this inspection we have included in the above price. 



ELECTRICITY 137 

You will note we have made arrangements 1 for some decora- 
tive 1 lighting in the dining-room and drawing-room, and for 
other special lights, such as newel posts on the various land- 
ings, reading lamps, cooking utensils 1 , etc. (158) 
Yours very truly, 

Mr. Raymond T. Dugan, 235 

Hoboken, N. J. 
Dear Sir : 

The recent issues of the technical 1 journals contain 
very readable accounts of several interesting experiments 1 
now being conducted on metal filament lamps, which fila- 
ments are somewhat out of the ordinary 1 and, in many 
respects 1 , are radically 1 different from the filaments in exten- 
sive 1 use. From the accounts it would appear that attempts 
are being made to utilize some of the rare metallic elements 1 , 
such as tungsten 1 and tantalum 1 , for this purpose 1 . There 
is no reason to doubt the success of some of these experi- 
ments, and there is likely to be a considerable demand for 
lamps of this kind. 

I am apprising you of this, as I believe you are greatly 
interested in any advances that are made in the art of illu- 
mination 1 . (121) 

Yours very truly, 

The Saunders Sporting Goods Co. , 236 

Syracuse 1 , N. Y. 
Gentlemen : 

We are in receipt of your favor of the 19th instant 
asking our opinion on the advisability 1 of your replacing 
the present installation 1 of gas arcs in your various stores 
with some form of electric 1 illumination 1 , which will give 
you the same amount of light as you are getting at present 
and also enable you to advertise your goods more effectively 1 . 



138 THE COMPLETE DICTATER 

There are a number of forms of electric illumination 
which, we think, would meet your requirements, and among 
which we might mention ordinary 1 incandescent 1 lamps, 
Nernst 1 lamps, enclosed arc lamps, or a comparatively 1 
recent form of lighting, the Cooper-Hewitt 1 mercury 1 arc. 
These two latter methods might possibly be a little cheaper, 
but we are of the opinion that a number of small units 
would be more satisfactory to you. We would also suggest 
that you place in a conspicuous 1 position on the front of each 
of your stores, an electric sign of some description which, 
we believe, would prove a very good advertisement. (164) 
Very truly yours, 

Henry V. Knight, Esq., 237 

Camden, N. J. 
Dear Sir : 

We are especially 1 desirous 1 that you should look 
into the merits of the Turner primary battery as exhibited 1 
at the offices of the company, 371 Bullitt building. Most 
people who are in any way interested in the development 1 of 
electricity 1 , have been familiar 1 with the strides made in 
perfecting 1 the electric storage 1 battery, and have been 
aware that its greatest defects 1 are its excessive weight and 
the danger from deterioration 1 , should the battery become 
entirely depleted of electricity. Of the Turner primary 
battery Professor 1 Carl Herring, of the Franklin 1 Institute 1 , 
says, " Compared with a storage battery for about the same 
duty, I find that the storage battery weighs about three 
times as much, occupies about twice as much floor space and 
more than twice the volume 1 for the same power." 

A limited amount of the stock of this company is 
offered for sale. We should be pleased to have you call and 
investigate 1 . (153) 

Very truly yours. 



ELECTRICITY 139 

Mr. Harry W. Brewster, 238 

Lynn, Mass. 
Dear Sir : 

Some days ago we received a shipment of five motors 
ordered from you on our order No. 92765 sent you last Octo- 
ber 1 . We felt confident, after giving you two months exten- 
sion on this order, that the shipment would be satisfactory. 
We found, however, upon unpacking the boxes containing 
the motors, that this was not the case. On two of the 
motors the commutators 1 are defective 1 , having evidently 
been knocked by some blunt instrument 1 . Two of the 
motors which we particularly requested should be given a 
special finish, are without this. The armature 1 of the other 
motor is imperfectly 1 wound, and a mistake 1 has appar- 
ently 1 been made in winding the field coils for alternating 1 
current 1 instead of direct 1 current, as we ordered. It is 
difficult to understand how a firm of your standing can 
afford to make shipments of this character 1 . We are re- 
turning you the five motors by fast freight, and we shall 
expect you to forward to us at your earliest convenience 1 
five new motors in perfect condition and in accordance 1 
with our order. (175) 

Yours very truly, 

Messrs. Holden Bros. & Lackey, 239 

Cedar Rapids 1 , Io. 
Dear Sirs : 

I am sending you today by express, charges 1 prepaid, 
a box containing three instruments 1 as follows : 

1. Model 45 ammeter 1 1949, with 2 shunts and 4 
terminals 1 . These latter have been sent without the leads 
which were in such bad shape as to be useless. You will 
notice, of course, that the shunts are mounted on a base, 



140 THE COMPLETE DICTATEE 

and will understand that I do not expect 1 this mounting 
to be disturbed 1 . The instrument itself is burnt out and 
will need thorough repairing. 

2. Portable 1 standard 1 milli-voltmeter 1 4840, together 
with shunt and leads complete. This instrument has a badly 
bent pointer 1 so that the system will need overhauling 1 , but 
otherwise 1 it is acceptable. 

3. Portable standard ammeter 1800. This is the in- 
strument you returned to me only about a week ago, and 
you will find that it, too, has a badly bent pointer. 

There are some things about this meter that I want 
to take up in detail. When I placed the instrument in ser- 
vice the readings were not as I expected to find them. The 
meter was then checked up, first on the high scale, and I 
was much surprised to find, as you doubtless will be, that 
it was in error about 18%. The low scale was checked up 
and found to be all right, but unfortunately 1 , during the 
calibration 1 of the low scale, a short circuit 1 occurred, which 
resulted in a bent pointer, although the instrument is prob- 
ably otherwise unharmed 1 , as the circuit breaker opened 
almost instantly 1 . If you will straighten 1 out the pointer 
and check up the calibration, you will doubtless find the 
facts to be as I have stated them. This being the case, it 
seems to me the charges for the repairs to this instrument 
should not include recalibration 1 , although I understand 
perfectly 1 that a charge for balancing the system, etc 1 ., is 
just. 

I hope you will repair these instruments as soon as 
possible and return them within a few days. A formal 
order for repairs is enclosed, and you will please note that I 
should like to have a separate 1 bill rendered 1 for repairs to 
each instrument. (355) 

Very truly yours, 



PART II 
Legal Forms and Testimony 



TO THE TEACHER 

The legal forms here presented are those most generally 
used. If the student is thoroughly drilled in them, he will 
have command of the phraseology peculiar to all legal 
documents. These forms may be accepted as types of the 
best employed in practice today. 

The two examples of testimony have been selected from 
goverment publications with a view to affording practice in 
the writing of questions and answers. The purpose has 
been to furnish material of this kind in just sufficient quan- 
tity to do this. Testimony, as a rule, is the easiest kind of 
matter to write, and no good purpose can be served by 
giving the student much of it. What is dictated, too, 
should be interesting, informing, and dignified. Most of 
that arising from every-day civil and criminal suits is not 
fit to be read to young people. 



142 



LEGAL FORMS 
BILL OF SALE 

Know all Men by these Presents that I, Charles 
Kingston, of the city of Watertown 1 , Jefferson 1 county, 
New York, of the first part, for and in consideration of the 
sum of ten dollars ($10), lawful money of the United 
States, to me in hand paid, at or before the ensealing 1 and 
delivery of these presents, by William Miller, of the same 
place, of the second part, the receipt whereof 1 is hereby 
acknowledged 1 , have bargained 1 and sold, and by these 
presents do grant and convey unto the said party of the 
second part, his executors 1 , administrators 1 , and assigns, 
the twelfth edition of Ridpath's History of the World. 

And I do covenant 1 to and with the said party of the 
second part that I am the owner and have the right to 
sell and transfer 1 the said property 1 , and will defend the 
same against any person or persons whomsoever 1 claiming 
the same. 

In Witness Whereof, I have hereunto 1 set my 
hand and seal the second day of May in the year one 
thousand nine hundred and seven. 

POWER OF ATTORNEY 

Know all Men by these Presents that I, James 
Holly, of the city of Elizabeth, county of Union, and state 
of New Jersey, have made, constituted 1 , and appointed, 
and by these presents do make, constitute, and appoint 
Joseph Smith, of the said city, my true and lawful attorney 
for me and in my name, place, and stead, to grant, bargain, 
and sell all such lands,- tenements 1 , and hereditaments 1 
whatsoever, situated in the state of New Jersey, whereof 1 I 
now am, by any ways or means howsoever 1 entitled to or 
interested in, either in severalty 1 or jointly, or in common 

143 



144 THE COMPLETE DICTATED 

with any other person or persons, or any part, share or pro- 
portion 1 thereof, and all such right, title, interest, claim, 
and demand, both in law and in equity 1 , as I may have in 
the same, for such sum and price and on such terms as to him 
shall seem meet, giving and granting unto my said attorney 
full power and authority 1 to do and perform 1 all and every 
act or thing whatsoever requisite and necessary to be done 
in and about the premises, as fully to all intents and pur- 
poses as I might or could do if personally present, with full 
power of substitution 1 and revocation 1 , hereby ratifying and 
confirming all that my said attorney or his substitute 1 shall 
lawfully do or cause to be done by virtue thereof. 

In Witness Whereof, I hereunto 1 set my hand 
and seal the fifth day of January, one thousand nine hun- 
dred and seven. 

AFFIDAVIT 

State of Connecticut 1 \ 

City and County of New Haven J ss 

Alexander 1 Winter, of said city and county, being 
duly sworn 1 , deposes and says that he is a clerk in the 
store of Morrison & Bland, booksellers 1 , of 47 Main street, 
in the city of New Haven. That while in the performance 1 
of his regular duty, that of waiting upon customers, there 
appeared in the store on the 22d day of June, 1907, one 
Edward A. Munson, who after examining several books and 
asking their prices, suddenly left the store without making 
a purchase. That deponent 1 , regarding his action as myste- 
rious 1 , made an investigation 1 into the books that the said 
Edward A. Munson was examining, and discovered one, a 
valuable souvenir 1 edition of Shakespeare's 1 plays, to be 
missing from its place. Deponent further avers that upon 
other visits of the said Munson to the store of Morrison & 
Bland, he observed the said Munson acting suspiciously 1 
among the book shelves, and upon the days of such visits 



LEGAL FORMS 145 

books were invariably 1 reported missing from the store. 
That upon one of these occasions deponent personally saw 
the said Munson take from the counter a copy of Longfel- 
low's poems with the evident intention 1 of carrying it away 
with him. 

Wherefore deponent says that it is his belief that the 
said Edward A. Munson is the person who on the day above 
mentioned took from the store of Morrison & Bland the said 
souvenir edition of Shakespeare's plays. 

Sworn to and subscribed 1 this 10th day of July, 1907, 
before me . . . ., Notary Public. 

LEASE 

Lease made and executed between John Carlisle 1 of 
the city of New Castle 1 , county of Lawrence 1 , state of Penn- 
sylvania, of the first part, and Henry Miles, of the same 
city, of the second part, this first day of March in the year 
one thousand nine hundred and seven. 

In Consideration of the rents and covenants 1 here- 
inafter 1 expressed, the said party of the first part has demised 
and leased, and does hereby demise and lease to the said 
party of the second part the following premises, viz : 

A dwelling 1 house situated on the east side of Flint 
street between Bond street and South street, and known as 
124 Flint street, New Castle, Pennsylvania, with the privi- 
leges 1 and appurtenances 1 , for and during the term of one 
year from the first day of May, 1907, which term will end 
on the thirtieth day of April, 1908. And the said party 
of the second part covenants that he will pay to the party of 
the first part for the use of said premises, the monthly rent 
of forty dollars ($40), to be paid monthly in advance. 

And Provided, that if said party of the second part 
shall fail to pay said rent, or any part thereof 1 , when it 
becomes due, it is agreed that said party of the first part 
may sue for the same, or reenter said premises, or resort to 
any legal remedy. 



146 THE COMPLETE DICTATER 

The party of the second part covenants that at the 
expiration of said term he will surrender 1 up said premises 
to the party of the first part in as good condition as now, 
necessary wear and damages by the elements excepted. 

Witness the hands and seals of the said parties the 
day and year first above written. 

PARTNERSHIP AGREEMENT 

Articles of Agreement,- made the first day of 
July, one thousand nine hundred and seven, between Frank 
Mills, of the city of Chicago, county of Cook, state of Illi- 
nois, and Bernard Boyce, of the same place. 

WITNESSETH 1 , as follows: 

I. The said parties above named have agreed to 
become partners in business, and by these presents do agree 
to be partners together under and by the name or firm of 
Mills and Boyce, at the said city of Chicago, in the 
grocery 1 business, buying and selling all sorts of goods, 
wares, and merchandise 1 to the said business belonging. 
The partnership 1 to commence on the first day of August, 
1907, and to continue ten years. 

II. To that end and purpose the said Frank Mills 
has contributed 1 the sum of five thousand dollars ($5000) 
in cash, and the said Bernard Boyce has contributed the 
lease of the store at 150 State street, in the said city of Chi- 
cago, to be occupied by them, and the stock of goods and 
good -will of the business there heretofore 1 carried on by 
him, which are together estimated and valued by the parties 
at the like sum of five thousand dollars (J5000), the capital 
stock so formed to be used and employed in common 
between them, for the support and management of the said 
business, to their mutual benefit and advantage. 

III. At all times during the continuance 1 of their 
partnership they and each of them will give their attend- 
ance 1 , and to the utmost of their skill and power exert 



LEGAL FORMS 147 

themselves for their joint interest, profit, benefit, and 
advantage, and truly buy, sell, and merchandise with their 
joint stock, and the increase thereof 1 , in the business afore- 
said 1 . And they shall and will at all times during the said 
partnership bear, pay, and discharge equally between them 
all rents and other expenses that may be required for the 
support and management of the said business; and all 
gains, profit, and increase that shall come, grow, or arise 
from or by means of their said business, shall be divided 
equally between them on the first day of August, November, 
February, and May in each year during the continuance 
of said partnership ; and all loss that shall happen to 
their said business by ill commodities 1 , bad debts, or other- 
wise, shall be borne and paid between them equally. 

IV. And at the end or sooner termination of their 
partnership the said partners, each to the other, shall and 
will make a true, just, and final account of all things 
relating to their said business, and in all things truly adjust 
the same; and all the stock, as well as the gains and increase 
thereof, which shall appear to be remaining, either in money, 
goods, wares, fixtures 1 , debts, or otherwise, shall be divided 
between them. 

In Witness Whereof, the parties hereto have here- 
unto interchangeably 1 set their hands, the day and year first 
above, written. 

WILL 

I, James Simpson, of the city of Goldsboro 1 in the 
county of Wayne and state of North Carolina 1 , being of 
sound mind and memory, do make, publish 1 , and declare 
this my last will and testament 1 , in manner following, that 
is to say: 

First : I direct that all my just debts and funeral 
expenses be paid. 

Second : I give and bequeath to my son, William 
Simpson, five thousand dollars ($5000). 



148 THE COMPLETE DICTATER 

Third : I give and bequeath to the Baptist Church 
of Goldsboro three thousand dollars ($3000). 

Fourth : I give, devise, and bequeath to my wife, 
Elizabeth Simpson, all the rest, residue, and remainder 1 of 
my estate, both real and personal, in lieu of her right of 
dower. 

Lastly : I hereby appoint Henry Weston executor 1 
of this my last will and testament, hereby revoking all 
former wills by me made. 

In Witness Whereof, I have hereunto 1 subscribed 1 
my name the tenth day of June, in the year of our Lord, 
one thousand nine hundred and seven. 

BOND 

Know all Men by these Presents that I, A. 
C. Lind, of the city of New York, am held and firmly 
bound to Henry T. Prince, of the said city, in the sum of 
one thousand dollars ($1000), to be paid to the said Henry 
T. Prince or to his certain attorney, executors 1 , administra- 
tors 1 , or assigns. For which payment, well and truly to be 
made, I bind myself and my heirs, executors, or administra- 
tors, jointly and severally 1 , firmly by these presents. 

Sealed this first day of July in the year of our Lord , 
one thousand nine hundred and seven. 

The condition of this obligation is such that if the 
above bounden A. C. Lind, his heirs, executors, or adminis- 
trators, shall and do well and truly pay or cause to be paid 
unto the above-named Henry T. Prince or to his certain 
attorney, executors, administrators, or assigns, the sum of 
one thousand dollars ($1000), in manner following, that is 
to say: one hundred dollars ($100) in one year from the 
date hereof 1 , four hundred dollars ($400) in two years from 
date, and five hundred dollars ($500) in three years from date, 
together with interest thereon to be computed from the date 
hereof at the rate of seven per cent, per annum, said interest to 
be due and payable annually hereafter 1 ; (said first party 



LEGAL FORMS 149 

is to have the privilege 1 of paying the entire principal sum 
unpaid, at either of the dates fixed above for the payment 
of installments 1 ), and shall further keep and perform 1 all 
and singular the covenants 1 and agreements specified in a 
certain mortgage 1 collateral 1 hereto, together with those 
hereinafter 1 expressed, without fraud or delay; then the pre- 
ceding obligation to be void, otherwise to remain in full 
force and virtue. 

And it is hereby expressly agreed that should any 
default be made in the payment of the said interest, or of 
any installment of principal, on any day whereon 1 the 
same is made payable, as above expressed, and should the 
same remain unpaid and in arrear for the space of thirty 
days, then and from thenceforth 1 , that is to say, after the 
lapse of the said thirty days, so much of the aforesaid 1 prin- 
cipal sum of one thousand dollars ($1000) as remains 
unpaid, with all arrearage 1 of interest thereon, shall at the 
option of said obligee, his executors, administrators, or 
assigns, become and be due and payable immediately there- 
after 1 , although the period above limited for the payment 
thereof may not then have expired, anything therein before 
contained to the contrary thereof in anywise notwith- 
standing 1 . 

DEED 

This Indenture 1 , made the first day of April in 
the year of our Lord, one thousand nine hundred and 
seven (1907), between William J. Lewis, of the city of 
Philadelphia, gentleman, and Mary Victoria, his wife, of the 
one part, grantor 1 , and John Henry Jones, of the said city, 
clerk, of the other part, grantee 1 , WITNESSETH 1 that the 
grantor for and in consideration of the sum of one thousand 
dollars ($1000) lawful money of the United States of 
America, unto them well and truly paid by the grantee at 
or before the sealing and delivery hereof 1 , the receipt 



150 THE COMPLETE DICTATES 

whereof 1 is hereby acknowledged, have granted, bargained, 
and sold, released and confirmed, and by these presents do 
grant, bargain, and sell, release and cod firm unto the 
grantee, his heirs and assigns, all that certain lot or piece of 
ground with the two story brick messuage 1 or tenement 1 
thereon erected described as follows : Situate on the west side 
of Twelfth street at the distance of one hundred feet north- 
ward 1 from the north side of Thompson street in the Twen- 
tieth ward of the city of Philadelphia; containing in front or 
breadth on the said Twelfth street eighteen feet and extend- 
ing of that width in length or depth westward 1 seventy-five 
feet to a certain four-feet wide alley extending northward 
and southward 1 from the said Thompson street to Master 
street. 

To Have and to Hold the said lot or piece of 
ground above described with the two-story brick messuage 
or tenement thereon erected, hereditaments 1 , and premises 
hereby granted, or mentioned and intended 1 so to be, with 
the appurtenances 1 , unto the grantee, his heirs and assigns, 
to and for the only proper 1 use and behoof of the grantee, 
his heirs and assigns forever. And the said William J. 
Lewis for himself, his heirs, executors 1 , and administrators 1 , 
does covenant 1 , promise, and agree, to and with the grantee, 
his heirs and assigns, by these presents, that he, the said 
William J. Lewis, and his heirs, all and singular, the 
hereditaments and premises hereby granted, or mentioned 
and intended so to be with the appurtenances, unto the 
grantee, his heirs and assigns, against him the said William 
J. Lewis and his heirs, and against all and every person and 
persons whomsoever, 1 lawfully claiming or to claim the same 
or any part thereof 1 , by, from, or under him, them or any 
of them, shall and will warrant and forever 1 defend. 

In Witness Whereof, the said parties to these 
presents have hereunto 1 interchangeably 1 set their hands 
and seals. Dated the day and year first above written. 



TESTIMONY A 

Testimony 1 , in part, of Professor 1 Emory R. Johnson 
before the Subcommittee 1 of the Committee on Interoceanic 1 
Canals. 

Washington 1 , D. C, February 25, 1902. 

The subcommittee met at 10.30 a. m. 
Present : Senators 1 Morgan (chairman), Hanna, Hawley, 

Kittredge 1 , and Millard 1 . 

(This particular portion of Professor John- 
son's testimony was based upon an opinion expressed 
by him before the subcommittee that "neither the 
Nicaragua 1 canal nor the one across the Isthmus 1 of 
Panama 1 would be used by sailing vessels," that 
the u tendency 1 of commerce is to use steamers in- 
stead of sailing vessels for all classes of traffic") 

Q. (By the chairman. ) Do you go upon the assump- 
tion that steam navigation is cheaper per ton per mile across 
the ocean than sailing navigation ? — A. No ; I draw conclu- 
sions 1 in regard to the future of the sailing vessels from two 
sources of information — one is the statistical 1 showing, which 
indicates 1 the very rapid substitution 1 of the steamer for the 
sailing vessel ; and second, an extensive 1 correspondence 1 
and a good deal of conference 1 with the men who are doing 
business with sailing vessels and with steamers. 

Q. My question 1 , Professor, is based upon the propo- 
sition 1 or the assumption, which I think is a very correct 1 
one, that transportation 1 on the ocean will always seek the 
shortest 1 and cheapest route. — A. Yes. 

Q. And the cheapest method of propulsion 1 , the 
cheapest power ; and I understand you that you do not 
think that in ocean travel steam power, in going around the 
Horn, for instance, is cheaper than wind? — A. I have no 
doubt that you can move a vessel 1000 miles by sail cheaper 
than you can move it by steam. 

151 



152 THE COMPLETE DICTATER 

Q. If you can do that, you can move it 2000 miles 
cheaper by sail than by steam. — A. But business men are 
finding it more economical 1 for them to use the steamer in- 
stead of the sailing vessel. 

Q. Some of them may, on account of the nature of 
their business, but I am taking the question of the transpor- 
tation of the commerce of the world upon an interchange 1 
of commodities 1 . — A. I take it the business of the world is 
seeking the most economical means of carrying, and the sail- 
ing vessel is giving way to the steamer because it is the 
more economical agent. 

Q. And yet it is your opinion that wind power for 
propelling ships is cheaper than steam power? — A. I was 
very guarded in my statement, Senator. My statement was 
that you could move a vessel 1000 miles cheaper by wind 
than you could by steam. 

Q. Well, taking 10,000 miles, and then taking 20,000 
miles, can you not move it cheaper that distance by wind 
than you can by steam? — A. Yes ; but you are well aware 
of the fact that only one of the expenses of running a vessel 
is to move the vessel through the water, and a vessel, as I 
understand it, is merely a business tool ; and business men 
are finding that the steamer is the more economical tool to 
use. 

Q. Well, the longer the voyage by wind, as compared 
with the voyage of the same vessel by steam, would you not 
say that the wind voyage was cheaper than the steam voy- 
age for 10,000 miles or 20,000 miles? — A. I would say this, 
that if the sailing vessel could hold its place anywhere in 
the world's commerce it would be on the longest distance 
route, and for that very reason I went very carefully into 
the question 

Q. It would be very convenient to me if you would 
answer my question. Will the stenographer please read my 
question ? 



TESTIMONY A 153 

The stenographer read the question, as follows : 

" Well, the longer the voyage by wind, as compared 
with the voyage of the same vessel by steam, would you not 
say that the wind voyage was cheaper than the steam voyage 
for 10,000 miles or 20,000 miles ?" 

A. I would say no to that. 

Q. Will you please explain why you say no? — A. 
There are three lines of vessels running between New York 
and Australia 1 . Until a few years ago they were entirely 
sailing vessels, but now in the case of all three lines there 
has been a large substitution of steam for sail, and the sub- 
stitution is going on at the present time. It will be only a 
few years when on that route — which is one of the longest 
routes in the world — the steamer will have entirely displaced 
the sailing vessel. Secondly, until a few years ago, Flint 
& Co. operated a line of sailing vessels between New York 
and San Francisco 1 , which is another one of the long routes 
of the world. They sold out their entire fleet and have now 
in operation seven, and soon will have nine, modern slow 
freight steamers. 

Q. (By Senator Hawley.) What was the word you 
used in describing those freight steamers ? — A. Modern slow 
freight steamers, 9-knot steamers. 

Q. Is that considered the economical rate — 9 
knots? — A. Yes; so I am told, that about 9 knots on a 
long distance is more economical than any other speed, 
more so than even 10 or 12. 

Q. (By the chairman. ) The companies you mention 
as having abandoned 1 sailing vessels for steamers, do they 
send their vessels around the Horn ? — A. They go through 
the Straits of Magellan 1 . 

Q. That cuts off a considerable distance ? — A. Yes ; 
but they navigate between New York and San Francisco. 

Q. I understand, but going through the straits cuts 
off a considerable distance ? — A. It cuts off about 2000 miles. 



154 THE COMPLETE DICTATED 

Q. Now, a sailing ship cannot go through the straits? 
—A, No. 

Q. (By Senator Hawley. ) Do you mean that a sail- 
ing vessel cannot go through the Straits of Magellan ? — A. 
It can not, as a practical 1 proposition 1 . 

Q. (By Senator Hanna. ) In your judgment, is the 
change from the sailing vessels to steam vessels accounted 
for by the fact that the sailing vessels can not go through 
the Straits of Magellan ? — A. That is not my information. 
It takes the steamer, running on this slow schedule 1 , sixty 
days to make the trip from New York to San Francisco. It 
takes sailing vessels one hundred and forty days, and there 
you have the cause of the substitution of the steamer for the 
sailing vessel. 

Q. (By the chairman.) In the saving of time? — A. 
It is in the saving of time, and in the fact that a vessel 
which can do the work in sixty days instead of one hundred 
and forty days is the more efficient 1 business tool. 

Q. If the cargo you are carrying does not require the 
saving of time, then that factor is lost, is it not ? — A. But 
the cargo which passes over that route does require a short 
time, and in the competition between the water route and 
the rail route the 60-day vessel has a great advantage over 
the 140-day vessel. 

Q. It is that saving of time ; it is the value of that 
competition that you have taken into account, is it not ? — 
A. That is it in part ; yes. 

Q. It is a large part of your calculation 1 , is it not? — 
A. There are a great many factors which enter into the 
question. Insurance 1 is one, and a large item. 

Q. But is this not the fact — please note the question 
instead of making an argument. The questions are easy 
enough. I asked you if this competition was not a large 
part of the calculation you made?— A. I was answering that 
it was one of the factors that influenced me. 



TESTIMONY B 

Testimony, in part, of John T. Wilson, Grand Chief, 
Brotherhood 1 of Railway Trackmen of America, before the 
Industrial 1 Commission 1 . 

Washington, D. C, March 1, 1899. 
The commission met at 11 a. m. 
Present: Senators Kyle (chairman), Penrose 1 , Mallory 1 , 
Daniel 1 ; Representatives 1 Gardner, Lorimer 1 , Liv- 
ingston 1 , Bell, Otjen ; Messrs. Mantle, A. L. Harris, 
North, Smyth, Farquhar 1 , Conger, Phillips, C. J. 
Harris, Ratchford 1 , Kennedy. 

(The questions 1 propounded 1 to Mr. Wilson 
were based upon a paper read by him before the 
commission, dealing with the labor conditions of 
railway trackmen in the United States.) 

Q. (By Mr. Kennedy.) Do the other brotherhoods 
recognize your organization, and are you federated 1 with 
them? — A. We have no alliance with any other organiza- 
tion composed of railway employes or any other organization 
in the country. 

Q. Do the men in your organization feel that they are 
neglected 1 by the other organizations and that the other 
organizations do not do all they should in the way of better- 
ing the poorer paid labor engaged in transportation 1 ? — A. I 
have heard members of our organization say the classes of 
railway employes that are well organized and are able to 
command living wages have become selfish and are unsym- 
pathetic 1 ; but, speaking as the chief representative of the 
organization, I will say that the members of other organiza- 
tions have done considerable to encourage our people to 
organize by advising them and explaining to them how they 
could benefit themselves by entering into an organization, 

155 



156 THE COMPLETE DICTA TER 

finding out what their grievances 1 are, what they are entitled 
to, and how to contend for it. 

Q. (By Chairman Kyle.) Is it the wish of your or- 
ganization to be allied with these railway organizations? 
Do you desire to be connected 1 with them ? — A. I wrote Mr. 
Clark, the president of the Federation 1 of Eailway Em- 
ployes, to know if an application from our organization for 
membership 1 in the federation would be acceptable. He 
replied, saying that at that time they did not desire to ex- 
tend the scope of the federation except to men employed in 
operating trains. 

Q. On what ground did he take that position ? Does 
he consider your class of workmen unskilled ? — A. I will give 
my opinion. I believe that the only reason our organization 
is excluded from the federation is because it is young and 
has not done very much to show that our people are capable 1 
of self-government 1 . 

Q. (By Mr. Kennedy.) What percentage of em- 
ployes in the maintenance 1 -of -way department of railroads 
is in your organization? — A. We have about 6000 men 
enrolled 1 . According to the report of the Interstate 1 Com- 
merce Commission there are about 180,000 men employed in 
the maintenance-of-way department. Our organization has 
been in existence 1 only seven years, and we have not had 
time to give anything like the majority 1 of our class an 
opportunity to become members of the organization. 

Q. Is the ability of your members to support the or- 
ganization very limited? — A. They are not able to pay very 
much. 

Q. Are you personally in favor of governmental 1 con- 
trol of railroads? — A. Under our present partisan 1 political 
system, no. 

Q. You spoke about commissions adjusting matters 
and bringing about better conditions. Do you mean state 



TESTIMONY B 157 

and national commissions? — A. I think the Interstate Com- 
merce Commission should be given more authority 1 . It 
should be authorized 1 to determine 1 what the railway com- 
panies shall charge. I think their authority should be 
extended so they can require the railroad companies to charge 
3 cents a mile if it is necessary to accumulate revenue 
enough to pay its employes living wages and the stockhold- 
ers 1 reasonable dividends 1 . 

Q. Are you familiar 1 with the railroad pooling bill 
now pending in Congress? — A. I understand its objects. 

Q. Are the railroad people generally in favor of that 
bill? — A. I think they are. 

Q. Would such a law be a step in the direction 1 of 
governmental control of railroads ? — A. I suggested in my 
paper that a commission with the authority to settle dis- 
putes between companies and employes and determine rates, 
should be provided by the government, as the railroad com- 
panies are semi-public 1 institutions. 

Q. Have you beneficial 1 societies that are promoted by 
the railroad companies? — A. When a member dies we pay 
his beneficiary 1 $1000 ; if he is partially 1 disabled, we pay 
him $500 ; if he is totally disabled, we pay him $1000. We 
collect $1 a month from each member to meet these demands. 

Q. Do the railroad companies contribute 1 to those 
benefits?— A. No ; the railroad companies have never ex- 
tended any favors to our organization, except in a few 
instances when we managed to get committees before the 
proper officers of the roads, and pictured 1 our condition in 
such a way as to arouse their sympathy. In that way we 
secured an increase of a few dollars a month for each man. 

Q. I see from a recent number of the Trainmen's 
Journal that they think the part of the arbitration 1 law 
which forbids 1 the companies compelling employes to go 
into these beneficial associations 1 , is a failure. They think 



158 THE COMPLETE DICTATES 

those societies 1 promoted by the railroads are injurious to 
their unions. Have you any such difficulty as that in your 
organization ? — A. Some of our class of men have said that 
they would like to become members of the associations gotten 
up by the companies, but with their small wages they could 
not afford to carry insurance in both societies. To some ex- 
tent they are injurious, and especially 1 to the beneficiary 
department of our organization. 

Q. What I gathered from that journal is this : If a 
man seeks employment on a railroad the company will have 
no need for him unless an application for membership in its 
beneficial society accompanies his application, and that a 
man who is already an employe of the company knows that 
if he does not become a member of the beneficial society he 
is not in the line of promotion. I should like to know 
whether such a state of affairs affects your organization? — 
A. You mean to ask me whether the insurance societies that 
are maintained 1 by the employes and managed by the com- 
pany's officials 1 affect 1 our organization or not. Is that it? 

Q. Yes. — A. To some extent they do 

Q (By Mr. Ratchford. ) Are the men you represent 1 
covered by life insurance, or sick or accident insurance that 
is compulsory, and of which the railroad companies are the 
chief promoters 1 ? — A. Some of them are. 

Q. You know of such cases in existence at the present 
time? — A. All of the employes on the Plant System are. 
The Plant System officials require their employes to con- 
tribute to the company's beneficial department. 

Q. Is it compulsory ? — A. Yes ; compulsory. 

Q. Is the employment contingent upon their agreeing 
to it ? — A. When a man makes application for employment, 
if he does not also make application for benefits at the same- 
time, his application for employment will more than likely 
not be noticed. In order to get employment, of course they 
apply for insurance in the company's beneficial society. 



PART III 
Selected Articles 



TO THE TEACHER 

The words in the selected articles following have not been 
counted because of the uniform length of the articles. Each 
contains about three hundred words, and this number may 
serve as a basis for speed, although speed should not trouble 
the teacher or student in this important part of the book. 

The selections have been prepared with the full-page 
regularity so that they will not be heavy and tiresome, as 
most articles of this kind are if they are of great length. 
These pages should be assigned as lessons and drilled upon 
as the letters have been. 



160 



SELECTED ARTICLES 161 

EDUCATING ONESELF 

It is unreasonable 1 to suppose that no one but a college 
graduate can be educated, in the broader meaning of that 
much-abused word. If a young man or a young woman is 
wholly undecided as to his or her future work, a four years 
college course may help to a decision 1 , but if one is deter- 
mined 1 to follow a special line of work, he can make a more 
rapid progress outside a college sometimes 1 than in one. 
If, for example 1 , he has chosen literature 1 for a profession, 
he can study under a tutor in the subjects he desires and 
progress twice as fast as in college. It is possible to enter 
almost any profession after a course of home study, without 
a college diploma 1 . I have often heard lawyers 1 assert 1 
that those members of the bar who studied in offices are 
invariably 1 the most successful 1 ones in practice. They not 
only have the theory of law, but also know it in operation. 
Some educators once made out a list of a hundred 1 great 
men who lived in England during the half century from 
1850 to 1900. They were principally men of great genius, 
like Darwin 1 , Huxley, Tyndall, and Ruskin. They were 
greatly surprised when it was discovered that only twenty 
of the hundred had received a college education. The others 
were self-educated, or had studied under tutors at home. 
This must have been more than a coincidence 1 , and to my 
mind it was a remarkable 1 commentary 1 on the success of 
the modern system of education. It means that the young 
man who can only study at night is under no handicap 1 in 
the race for success because he is unable to spend four years 
in college. It is possible that he stands a better chance 
than the college graduate. A man can greatly improve him- 
self by home study of the best books, and through contact 
with cultured 1 people. There are more ways than one of 
obtaining an education in this world. — Success, 



162 THE COMPLETE DICTATER 

STOCK MARKET REPORT 

With easier money conditions at home and abroad, the 
stock market revived today with general recoveries in most 
of the shares. The whole market broadened and closed 
with the list at the highest level. Substantial 1 advances 
resulted 1 early from the general disposition to buy stocks. 
The demand was quite varied and affected the list through- 
out, although there was a marked favor still shown for 
stocks which long have held the foremost place in market 
movements. A hesitating short interest, which has been 
added to during the week, encouraged by the lack of 
response in the market to favorable developments 1 , was an 
important element in the day's buying. The pronounced 1 
relaxation 1 in the money market was the underlying 1 
ground for the advance. Funds of call were in apparent 
abundance 1 and the rate did not get over six per cent., with 
the ruling rate for the day below that. The forces which 
have brought about this condition promise to continue 1 
active for sometime 1 to come. The consequence 1 was to 
allay much of the apprehension 1 which has been felt that 
no actual ease in the money market could be counted upon 
for the spring period. The large projects which have been 
undertaken 1 and for which it is important that the market 
should show absorptive 1 power, are regarded as assurance 
of effective 1 leadership 1 in any market campaign 1 . The 
estimates of the week's currency movement make it evident 
that a substantial inflow from the interior 1 to New York 
has set in and is likely to be extended, in view of the rea- 
sonable subsidence 1 of requirements for movement of the 
crops. New York appears to have received in the neigh- 
borhood 1 of $3,000,000 in cash during the week. Side by 
side with the relapse 1 in the money market, there was a 
revived demand for remittance 1 abroad through the 
exchange 1 market. Foreign money markets themselves 
continued 1 to relax 1 . — Philadelphia 1 Press. 



SELECTED ARTICLES 163 

ARE WE DONE WITH THE NOVEL 

The day of the novel is gone, the critics 1 are saying, and 
some of them add rather ill-naturedly 1 : " And good rid- 
dance — it was a poor thing at the best, without form, and 
mentally weakening. Let us have more drama and fewer 
stories.' ' According to the critics, the novel has already 
died out a good many times ; for instance, just before Scott 
began to spin his yarns 1 , and again after Thackeray 1 and 
Dickens had got through with theirs. But the novel has 
shown surprising vitality 1 , coming up in some fresh, inter- 
esting form every time when a new story-teller happened 
along who had something to say about life that could not be 
squeezed into a two-hour play or canned into an essay. At 
present there seems to be no such story-teller on the horizon, 
and the stage is having its turn. Something in the condi- 
tions of modern life — its intense 1 activity and dramatic 1 
pleasure — would seem to prepare the way for a period of 
dramatic revival 1 . Let us pray that it will come, giving us 
some strong, passionate 1 plays of real men and women. 
Meantime, the novel is secure as a literary 1 form as long as 
the world continues 1 to be and people are as they have been 
from the time of Job. As a literary form, it has shown 
remarkable 1 vitality and power of adaptation 1 to new 
social 1 conditions. We do not care for most" of the novels 
of our grandmothers 1 , but the best of them live on. 
Probably 1 our children will not read Lady Rose's Daughter, 
or even The House of Mirth, but they may take down 
Treasure Island or Tess or Kim from the upper shelves 1 . 
And they will have wonderful stories of their own. For 
the novel covers life as a whole as no other form of litera- 
ture 1 ever has covered it. It shows us people, not in a 
flashlight 1 , but leisurely, thoroughly, with some of the 
completeness that life itself has. So long as man appeals to 
man, so long as man is interested in his own fate, we shall 
have novels. — Saturday Evening Post 



164 THE COMPLETE DICTATER 

RICE CULTURE 1 

Rice production 1 in the United States is limited to the 
South Atlantic 1 and Gulf states, where, in some sections, it 
is the principal cereal 1 product. For nearly one hundred 
and ninety years after the introduction 1 of rice into the 
United States, South Carolina 1 and Georgia produced the 
principal portion, while North Carolina 1 , Florida, Alabama, 
Mississippi 1 , and Louisiana 1 grew only a limited amount. 
Within the last ten years Louisiana and Texas have increased 
the area devoted to rice to such an extent that they now fur- 
nish nearly three-fourths of all the product of the country. 
The great development 1 of the rice industry 1 in Louisiana 
since 1884 has resulted from the opening up of prairie 1 
region in the southwestern 1 part of the state, and the devel- 
opment of a system of irrigation 1 and culture which made 
possible the use of harvesting machinery 1 similar to that 
used in the wheat fields of the northwest 1 , thereby greatly 
lessening 1 the cost of production. In 1896, however, a new 
difficulty began to be felt. The varieties of rice which 
yielded 1 best and were otherwise more satisfactory 1 , proved 
inferior 1 commercially 1 because the percentage 1 of grains 
broken in the process of milling was very large, and the 
proportion of " head rice," made up of the unbroken grains, 
was low. As the Japanese 1 rices possess superior 1 milling 
qualities 1 , yielding a high percentage of head rice, it was 
desirable that they should be experimented 1 with in this 
country. With this idea in view, the Department of Agri- 
culture 1 , in the spring of 1899, imported from Japan about 
ten tons of rice, which was distributed to experimenters 1 
in southwestern Louisiana and elsewhere 1 in the rice belt. 
The outlook for the further extension of the industry is very 
promising. According to the best estimates, there are about 
10,000,000 acres of land in the five states bordering the Gulf 
of Mexico which are well suited to rice cultivation 1 . 

Current Literature 1 , 



SELECTED ARTICLES 165 

BOND SALESMEN 

It is a fact not generally known that Wall Street banking 
houses employ salesmen who travel over the country selling 
bonds very much as drummers sell tea and coffee. Some of 
the largest banking houses employ from twenty to thirty 
salesmen, and altogether more than three hundred are 
employed in Wall Street. Another three hundred are 
employed by Boston, Philadelphia 1 , Baltimore 1 , Pitts- 
burg 1 , Chicago, and St. Louis 1 bond houses. These six 
hundred salesmen sell from $300,000,000 to $500,000,000 of 
bonds every year. Jay Cook was the pioneer 1 in the 
employment of salesmen to dispose of huge security issues 
to private investors. This is considered by many finan- 
ciers 1 his most notable achievement. In 1863 the Civil war 
was at its height and the credit of the United States govern- 
ment was at its lowest ebb. Among European 1 bankers the 
opinion was very generally held that the Southern 1 con- 
federacy 1 would gain its independence 1 , and few of them 
were willing to subscribe 1 to any new bond issues. Wall 
Street bankers had grown timid and openly expressed the 
opinion that financial 1 conditions were too disturbed 1 and 
the market too uncertain to admit of the successful 1 flota- 
tion 1 of a large government loan. If the war was to be con- 
tinued 1 , however, it was imperative 1 that a new loan should 
be floated at once. In its dilemma 1 the United States gov- 
ernment appealed to Jay Cooke. He expressed the belief 
that the people of the country were rich, and that if they 
were appealed to directly 1 the $500,000,000 of bonds could 
easily be disposed of, and he agreed to undertake 1 the task. 
The manner in w 7 hich the loan was successfully floated, and 
how the proceeds 1 of the loan carried the war to a successful 
conclusion 1 , is now a part of history 1 . Jay Cooke's flota- 
tion of the various 1 government loans was a veritable 1 
revelation to Wall Street. — Saturday Evening Post. 



166 THE COMPLETE DICTA TER 

MAKING CITIES ATTRACTIVE 

The wealthy citizen who is reported to have deeded for 
public 1 uses a handsome 1 estate on the outskirts 1 of Spring- 
field, Mass. , in order to assist that municipality 1 to estab- 
lish 1 a signally fine boulevard 1 and park system, seems to 
have shown a shrewd 1 realization 1 of one of the pressing 
needs of American cities. Gifts or bequests to libraries 1 , 
colleges, or museums are useful, when they are intelli- 
gently 1 devised. But it is well that there should be a grow- 
ing understanding of the vitally important fact that money 
skilfully 1 laid out in making provision for civic beautifi- 
cation 1 — especially 1 when it takes the form of parkways, 
boulevards, and artistic 1 and roomy open-air spaces — is 
likely to prove an increasingly valuable investment in the 
near future. However sociologists 1 may deplore it, there is no 
doubt of the existence of the u drift to the cities '' which tends 
more and more to concentrate 1 population within their bor- 
ders. Since this is the case, the obvious 1 course for those 
who have the welfare of their fellow- citizens at heart is to 
do what they can in making cities more healthful and help- 
ful places of abode. There is not a city in this broad land 
but needs development 1 in these directions 1 . There are 
always plenty of excellent people who are disposed to think 
with all sincerity 1 that disbursements 1 for any purpose 
which does not immediately and directly 1 serve material 
utility 1 are wasteful. Fortunately 1 a broader and juster 
view is becoming influential 1 in many parts of the United 
States. The idea that an American city can be and should 
be made something very much more than a mere aggrega- 
tion 1 of stores, factories, and dwelling houses, a wilderness 1 
of stone and steel, of brick, concrete, and marble, with 
narrow echoing streets penetrating 1 it at right angles, is 
showing signs of strength which promise well for the 
future. — Philadelphia 1 Evening Bulletin. 



SELECTED ARTICLES 167 

THE WORLD'S PAPER CONSUMPTION 1 

A French scientific 1 journal recently discussed the con- 
sumption of paper by the principal nations of the world as 
reflecting 1 modern progress of civilization 1 , because of its 
extensive use for printing purposes 1 . It placed the United 
States in the first rank as the greatest paper producing coun- 
try in the world, with an annual output of 630,734 tons 
(avoirdupois 1 ). Germany follows with an annual pro- 
duction 1 of 393,683 tons, England 246,051, France 196,942, 
Austria 1 147,706, and Italy 123,026. One American cor- 
poration 1 is declared to be the greatest paper manufactur- 
ing 1 enterprise in the world, possessing thirty-one factories 
with ninety-six continuously 1 running machines, the com- 
pany using almost as many machines as are operated in 
Italy and the Netherlands 1 together, and its annual produc- 
tion exceeding that of all the paper factories in Austria- 
Hungary 1 and almost equalling that of all the British 1 
ones. Its capital amounts to more than $110,000,000. 
While America leads in production, Germany has become 
the largest exporter 1 of this article, with 51,000 tons 
annually 1 , England following with 49,210, the United 
States 16,880, and France 13,090. The United States paper 
exports go principally to South America, but also to Canada 
and Australia 1 . Notwithstanding 1 its large production, 
England remains a good buyer, having imported 147,706 
tons last year. Regarding the direct 1 consumption of 
paper, it is an interesting fact that the United States leads 
with an annual figure of 38.6 pounds per capita, England 
coming next with 34.3, Germany 29.98, France 20.5, Aus- 
tria 19, Italy 15.4, Servia showing the lowest European 1 
figure, 1.1 ; India shows only 0.22 and China 1.1 per capita. 
Nearly half of the paper manufactured 1 in the world is used 
for printing purposes. Twenty per cent, is absorbed in the 
trades and industries. — Scientific 1 American. 



168 THE COMPLETE DICTATER 

A PRESENT DUTY 

It is a mistake 1 to postpone 1 the pleasures and recrea- 
tions 1 of life until one has done his hard .work, a mistake 
which a great many frugal 1 and otherwise 1 sensible 1 people 
make. There are hosts of men and women working with 
might and main for the purpose 1 of enjoying life when they 
have laid a solid foundation 1 of fortune 1 under their feet. 
They are acting upon the belief that it is possible to get the 
hard work of life done, to press it into a few years, and to 
begin to live. This is a misleading belief. In the first 
place, the work of life is never done, and ought never to be 
done ; and, in the second place, he who postpones indefi- 
nitely 1 the hour when he will begin to enjoy life, postpones 
entirely the possibility 1 of enjoying it. No man can work 
with might and main for twenty years, committing all his 
strength to his task and permitting himself to be entirely 
absorbed 1 by it, without suffering atrophy 1 or deadening 1 
the faculties 1 of enjoyment. At the end of twenty years he 
will find nothing left of life for him, so far as occupation is 
concerned, except the thing he has been doing. He will 
have so fashioned himself that he has become only a hand or 
tool to do a specific thing ; he will have lost the capacity x of 
turning from one occupation to another, or taking up with 
one interest after another, of giving himself freely on many 
sides. He makes the best living who keeps himself fresh by 
keeping his interests varied ; and he only can make a life 
who lives in every part of his nature. Enjoyment is as 
much a necessity as work ; to find pleasure in life is as much 
a duty as to find profit ; and the only man who lives a 
wholesome, moral, successful 1 life is he who combines pleas- 
ure and work, toil and recreation, from day to day, from the 
beginning to the end. Pleasure is a duty which cannot be 
postponed. — Outlook. 



SELECTED ARTICLES 169 

LEISURE HOURS 

There are some men and women whose work is so en- 
grossing that they have no leisure, but those people are 
relatively 1 few in number, and are, as a rule, at the head 
of great enterprises. Practically 1 all young men and 
women have some hours from work which need not be de- 
voted to exercise and sleep, two things which ought never 
to be overlooked or neglected 1 . These unoccupied hours 
are of priceless worth if they are wisely used. They de- 
termine 1 the value of the working hours because they edu- 
cate a man to use and enjoy what the working hours bring 
him, for a man's ability to enjoy success depends on his 
intelligence 1 , his tasks, and the variety of his interests. 
Many of the most successful 1 business men have so many 
interests, outside of their business, that they can always 
give themselves the rest of a change of occupation, and can 
get pleasure and profit out of any form of leisure. They 
understand that in order to use wealth with j udgment, and 
get satisfaction and happiness out of it, a man must grow 
rich in mind as fast as in pocket. One of the most sub- 
stantially 1 successful men of the time recently said that in 
his boyhood 1 he revolted 1 against poverty, not because it 
denied him the luxuries 1 of life, but because it curtailed 1 
his freedom, and he resolved 1 that he would gain freedom 
at all costs. Having an unusually clear mind, this boy 
decided to get an education first, and become rich after- 
wards ; he went through college and then made a fortune 1 . 
His extraordinary influence and usefulness 1 are largely due 
to the fact that he has kept his inward growth in line with 
his outward advancement 1 , and has understood how to 
make the most of every dollar. This is what every boy 
and girl can do who has persistence 1 enough to use well the 
leisure hours of life. — Hamilton W. Mabie, in Success. 



170 THE COMPLETE DICTATES 

THE HONORED LEADING CITIZEN 

A leading citizen of Peoria 1 , Illinois 1 , was indicted 1 a 
while back on one hundred and forty counts for wholesale 
embezzlements 1 extending over many years, and the famous 
distillery 1 town was shaken to its financial 1 , educational 1 , 
social 1 , and moral foundations 1 . The story is that for a 
decade this leading citizen stuffed the school pay-rolls, 
forged warrants 1 , falsified 1 accounts in a maze of pecula- 
tion 1 so gross that an hour's genuine auditing of his accounts 
at any time would inevitably 1 have disclosed it. This is 
not Wall Street, understand ; the men involved 1 , besides 
the leading citizen above mentioned, are not frenzied 1 
financiers 1 , but good, plain, well-meaning country charac- 
ters 1 . Yet here we have the dummy director 1 in his per- 
fect 1 flower, except that instead of a half-dozen dummy 
directors this case discloses a whole dummy colony. 
Everybody trusted and honored that leading citizen. When 
his cash-book was audited he did the auditing and the 
committee blandly voted aye 1 . Why toilsomely 1 check over 
a lot of figures when the good gentleman would do it for 
you? Why should the treasurer 1 , auditor 1 , finance com- 
mittee, board of education, and so on squander 1 their valu- 
able time looking into the accounts when the eminent 1 
educator 1 and financier stood ready to relieve them of all 
trouble, and assured them everything was right? W T ho 
would think of taking any step which might seem to re- 
flect 1 a little upon the integrity 1 of so distinguished 1 a man? 
They had the honor ; the leading citizen did the work — an 
arrangement 1 highly agreeable to both sides. The dummy 
director is not at all a product peculiar 1 to high finance. 
He is omnipresent 1 and indestructible 1 . Positions of honor 
are pleasing, to be sure. But we Americans like to "run 
our own business." It is a bit difficult for us to discover 
an inclination 1 to give time to other affairs. 

Saturday Evening Post. 



SELECTED ARTICLES 171 

WEATHER WARNINGS 

Many persons speak slightingly 1 of the weather predic- 
tions 1 because they are sometimes 1 falsified 1 by the weather 
which follows them. The predictions are, nevertheless 1 , 
usually correct 1 . But, in any event, the daily bulletins 
announcing probable 1 rain or snow are of far less impor- 
tance than some of the other services of the Weather Bureau, 
and represent 1 its most imperfect 1 work. It is more diffi- 
cult to discern accurately 1 the coming of a moderate rain, 
which little affects 1 the public 1 welfare, than to give 
effective 1 warning of a destructive 1 storm or the sweep of a 
cold wave. It is in notifying various interests of the great 
changes 1 that the Weather Bureau performs 1 its best work. 
In the cranberry marshes of Wisconsin 1 the flood gates are 
usually regulated 1 by the frost signals, and great saving 
results 1 . On account of the peculiar 1 topography 1 of Cali- 
fornia 1 , it is possible to give warnings of rain with great 
accuracy 1 , enough in advance to enable the owners of vine- 
yards 1 to gather and stack their trays, and to save from ruin 
the drying raisins. On the South Atlantic 1 and Gulf 1 
coast, predictions of frost seem more accurate 1 than else- 
where 1 , and have proved of great value to the cane-growers 
of Louisiana 1 , the truck-farmers about Norfolk, and the 
orange-growers in Florida. To the shipping in all our 
ports, both ocean and lake, the storm warnings are recog- 
nized as of great importance. The next great step in 
weather forecasting should be the discovery of some method 
by which a longer outlook into the future may be obtained. 
Scientific 1 observers 1 do not now profess to be able to tell 
anything about the weather more than three days ahead. 
Efforts to establish 1 from the records a ' ' weather curve ' ' as 
a basis for more accurate predictions 1 , have thus far proved 
unavailing. Perhaps 1 nature, like a prudent housekeeper, 
has determined 1 to keep some secrets inviolable 1 . 

Youth's Companion 1 . 



172 THE COMPLETE DICTATER 

BRITISH 1 VS. AMERICAN ARTISANS 1 

Past records point conclusively 1 to the fact that American 
merchandise 1 of every kind finds its way to the uttermost 
parts of the earth. The American manufacturer 1 firmly 
believes in forcing sales, which he considers is essential 1 for 
the securing and retaining of his customers. The American 
is honestly a man of propulsion 1 in all he lays his hands to. 
As with the individual 1 , so with the nation. The same 
characteristic 1 feature is observable 1 throughout the whole 
country. By this constant and heated energy the nation 
desires to secure and extend its commercial 1 dealings with 
other nations. This ambition is not written in so many 
sentences 1 by the individual, but is, nevertheless 1 , im- 
printed upon the nature of the average American, that by 
the united action of the people the whole atmosphere 1 be- 
comes impregnated 1 with the glorious 1 ambition to be first 
in the commercial race. Being, in a sense, a young coun- 
try, and blessed with great natural resources 1 , the American 
citizen has chances denied to the work-a-day 1 artisan on 
this side of the Atlantic 1 . Endowed by nature with push 
and energy, a man in America may secure a competency 1 
easier than he could possibly obtain it in Britain. But 
while this is so, such cities as New York, Boston, Pitts- 
burgh 1 , and many others have hundreds 1 of thousands of 
human beings who do not know where their next meal is to 
come from. Indeed, the rich are rich, but the poor are 
poor. The economic 1 conditions pertaining 1 to those who 
live under the Stars and Stripes may not prove oppressive 1 
to the rich. To the poor it is otherwise. When it is kept 
in view that house rent, clothing, provisions, and all 
domestic 1 items are relatively 1 higher than in Britain, it 
becomes a serious problem if the higher rate of wages paid 
in America actually safeguards 1 the poorer artisan's family. 

Magazine 1 of Commerce, 



SELECTED ARTICLES 173 

WHEN SHALL WE FLY 

Several flying-machines have been constructed which, so 
far as their power to fly is concerned, leave little or nothing 
to be desired. The crux of the matter is not only for the 
flying- machine to be able to raise itself, bat to keep its 
balance in the air and enable the aeronaut 1 to descend in 
safety. The fundamental 1 proposition on which the con- 
struction 1 of flying-machines must be based is known as 
Langley's 1 law, from the name of its discoverer 1 . The law 
is somewhat paradoxical 1 , for it maintains 1 that the faster 
you move through the air the less energy is needed to keep 
you going. Hence, there is no bar to the construction of a 
flying-machine which will rival our express trains in speed 
and will carry a larger number of passengers 1 . The flying- 
machine of the future will be more like the steamship than 
like the biid, and will keep itself afloat, as well as travel, 
by means of its motor power. The great difficulty is the 
question 1 of balance. It is analogous 1 to the difficulty 
which would be found in riding a bicycle over a surface 
which was constantly 1 in motion, like the waves of the sea. 
Even when the wind seems steadiest 1 , it is always variable 
and irregular 1 in its movements, beyond anything which 
can be anticipated 1 . Even the smallest portion of air cur- 
rent has no homogeneous 1 parts. It consists of an exceed- 
ingly 1 complex tangle of tiny and diverse 1 currents. The 
stronger the wind is, the greater are its fluctuations 1 . 
Birds know how to utilize 1 these fluctuations, and a turkey 
buzzard 1 will hover motionless 1 in the teeth of a gale blowing 
thirty-five miles an hour. Birds and insects, both of which 
are heavier than the air which they displace, keep them- 
selves up either by soaring or flapping. For thousands of 
years they have completely mastered the art which man 
hopes one day to apply to the construction of the flying- 
machine. — "Review of Reviews, 



174 THE COMPLETE DICTATER, 

INEFFICIENCY 1 OF NIGHT WORK 

In many lines of skilled work employers now hesitate 1 
to run their factories overtime or with night shifts, because 
experience has taught them that night work is sure to be 
inferior 1 . Formerly 1 , during times of great demand, most 
works ran with night gangs, on the theory that production 1 
could be increased correspondingly 1 . While it was well 
recognized that practice did not work out according to 
theory, there was little realization 1 of the actual difference 
between shop production during a night hour and the out- 
put of a day hour. The cost system put the matter beyond 
the possibility 1 of doubt, demonstrating 1 that the difference 
in production is really very large. Of course, automatic 1 
machinery 1 will produce as much by night as by day, and 
the coarser 1 products, where brute strength or elementary 1 
skill is the chief element in the make-up of the workman, 
may be advantageously 1 manufactured 1 at night, though 
the production is seldom that of a day force ; but when it 
comes to labor in which the skill of the operator 1 is the 
chief factor 1 of production, or at least a very important 
factor, then the showing of night labor is much less satis- 
factory. The same thing is true of overtime work. Men 
cannot and will not do the same work at night as they do 
in the daytime. They have not the same energy ; they 
are not living the natural existence 1 , for, by reversing the 
periods of waking hours and sleep when they are not 
accustomed to it, the normal poise 1 is upset. Men work- 
ing nights are very apt to take insufficient 1 sleep, with 
drowsiness 1 and lethargy 1 as the natural result. Overtime 
workers wear out after a short time, and must be permitted 
to recuperate 1 . But even if a high-class workman takes the 
best care of himself while working at night and works as 
well as he can during his night hours, he cannot accom- 
plish 1 as much and as good work on the average as in the 
daytime. — Literary 1 Digest. 



SELECTED ARTICLES 175 

COURTESY 1 IN BUSINESS 

Some of those who take note of human tendencies 1 have 
charged 1 the men of the present generation with a lack of 
the urbanity 1 which characterized 1 their forefathers 1 . 
Every change in human customs or conduct so affects 1 the 
progress, as well as the happiness, of the race as to deserve 
the careful attention of students 1 of sociology 1 ; but if the 
trend of the time is really away from the old standards 1 of 
courtesy, the matter is of practical 1 interest to everybody, 
and to no one more than to the tradesman, whose business 
brings him into constant contact with the public 1 . This is 
a mercantile 1 age. The boys of the farm are flocking to the 
stores of the city. The channels of business are in danger 
of congestion 1 , while the fields suffer for lack of laborers. 
To buy and sell to such advantage as to acquire wealth is 
the ambition of a large portion of our young men. Most of 
the old methods of trade are considered too slow, specula- 
tion 1 is in high favor, and only the " hustler m is up to date. 
Is it possible that in the feverish 1 haste for wealth and with 
something like contempt for the leisurely and careful ways 
of his father, the young man has come to have too low an 
estimate of the value of courtesy as a business qualifica- 
tion 1 ? If he has and he be a salesman, his employer 
should look to it at once, for no amount of technical 
knowledge 1 of the business can compensate 1 for a lack of 
those personal qualities 1 that are pleasing to the buyer. 
The shrewd 1 Franklin 1 when he enunciated 1 the proverb 1 
" Honesty is the best policy," may not have conformed 1 to 
a high ethical standard, but if honesty be followed as a 
policy, it will become a habit, and in the meantime ethics 
will not suffer. So one may assume the virtue of politeness 
until it becomes habitual, and he will find the result a 
source of positive gain to his happiness and to his pocket, 
and at the sametime a gratification 1 to those about him. 

Shorthand 1 Bulletin. 



176 THE COMPLETE DICTA TER 

THE DANGERS OF NOVEL READING 

Although fiction is a great part of literature 1 , it is not 
all ; and it is scarcely 1 necessary to say that to read fiction 
only, even if it be the best fiction, is to cultivate 1 the mind 
unsymmetrically 1 . What shall be said, then, of the exclu- 
sive 1 reading of poor fiction ? The circulation 1 of popular 1 
novels has advanced by leaps and bounds of late years. 
Sensational 1 methods of advertising have had some share in 
this, no doubt ; but along with the large sales of novels has 
come the falling-off in the sales of other books. Any 
bookseller 1 will admit that people buy fewer books of solid 
merit than they bought twenty years ago. Certain classics, 
of course, have a steady sale, though it is possible that even 
in their case it is diminishing 1 . Shakespeare 1 and the 
English 1 poets are in demand for gifts, as well as for per- 
sonal use ; Dickens, Thackeray 1 , Miss Austin, and other 
novelists 1 of assured fame are constantly 1 being put forth 
in new editions. So far, there is ground for congratula- 
tion 1 . But in the case of current books of merit, in history 1 
or criticism 1 or science, for example 1 , the sale is often 
surprisingly 1 small, especially 1 considering the assertions 1 
constantly made as to the increasing avidity 1 of the public 1 
for instruction 1 . People are simply wasting their time and 
money in keeping up with the books which the il literary ni 
paper asserts 1 " must " be read. It is a singular 1 circum- 
stance 1 , too, that most of the novels so highly praised, so 
eagerly bought, and so soon forgotten 1 , are in no sense 
worth reading. Not only do they offend against the ele- 
mentary 1 canons of art ; they also show the most distressing 
ignorance 1 of life. The matter is fast reaching a pitch at 
which the only possible advice to give will be the somewhat 
unjust direction 1 to let all " best-selling novels " alone 
until they have proved a claim to something else than 
commercial 1 qualities 1 . — Providence 1 Journal. 



SELECTED ARTICLES 177 

MONEY MARKET REPORT 

Call money gave the stock market something of a surprise 
yesterday by advancing to 6 per cent. , after having ruled at 
3 and 2| during the last few weeks. As has been repeatedly 1 
indicated 1 , recent quotations seemed too low to last, the 
only explanation 1 being that brokers were borrowing only 
very small amounts. Commission 1 business, however, is 
improving slowly and prices have moved up this week for 
the first time in more than a month. The opening rate was 
3, which also was the ruling rate. The low was 2| and the 
last 5 per cent. The stock market was not radically 1 affected, 
as the impending 1 receipts of gold from abroad are calcu- 
lated 1 to bring relief 1 early next week. Time money also 
occasioned more interest than usual. A moderate amount 
was obtained on all industrial 1 collateral 1 for six months at 
5 J per cent., which indicates 1 a confidence 1 in this class of 
security that has not been conspicuous 1 recently. For 30-day 
funds 4 per cent, was accepted in one or two cases, while 
60-day money was obtainable 1 at 4J to 5 per cent., 90-day 
money at 5 to 5 J per cent., and 6 months at b\ to 5} per 
cent. A few transactions 1 for twelve months were recorded 
at 5J to 5f per cent, on approved 1 collateral. Commercial 1 
paper underwent 1 no change, either in the volume of busi- 
ness or in quotations. The prospect 1 of additional 1 note 
issues is tending to delay the investment 1 of money in paper, 
as the notes are considered by many more attractive 1 . For 
good names the quotation is still 5| to 6 per cent. The very 
best names were taken at 6 per cent, as a rule, though 6? 
was occasionally demanded by buyers. Offerers of indiffer- 
ent standing find it impossible to secure takers. The assist- 
ant 1 treasurer 1 of the United States was debtor at the Clear- 
ing House in the sum of $136,053. The New York Clearing 
House reported exchanges 1 amounting to $300,499,570, bal- 
ances, $10,057,366. — New York Journal of Commerce. 



178 THE COMPLETE DICTATED 

ATHLETICS 

Athletic 1 games tend to develop 1 some of the most admir- 
able 1 qualities 1 of heart and mind which can be found in 
the human being. In the life of every day, in the struggle 1 
for place and power, in the effort to uplift our fellowmen by 
teaching or writing or by example 1 — in all these activities 1 
there are certain qualities which are essential 1 to success and 
power. The man who would be or do anything significant 1 
in the world must have physical 1 power, endurance 1 , and 
control; he must possess courage and concentration 1 , aggres- 
siveness 1 ; he must have clear conceptions, quick 1 judgment, 
and decisiveness 1 ; he must, last of all, have the power of 
sacrificing 1 himself for the good of his fellows. I have no 
hesitation 1 in claiming that all these characteristics 1 of body 
and mind are developed by the proper 1 practice of athletic 
games. Other games are close seconds, but better than all 
these stands football as a means of developing aggressiveness, 
courage, will. Other athletic games have something of the 
same effect 1 in training character 1 . The man who catches 
off the bat, knowing that a misjudgment 1 of an inch or two 
may mean disfigurement 1 for life ; the man who pushes his 
horse at the five-bar gate, realizing that a fall will probably 1 
mean injury or destruction 1 ; the man who in boxing risks 
the blow that is going to mean defeat 1 and dangerous 1 
injury; the man who drives his automobile 1 at the rate of 
two miles a minute, knowing that a slight failure of his 
self-control 1 or a slight inequality 1 in the road will mean to 
him death and defeat — all these are developing that faculty 
which means power ; all these are developing in themselves 
courage and will-power. And courage, backed by will, is 
the prime secret of conquest 1 in this constant struggle which 
we call life. Despite certain evils to be found in all sports, 
the general value of athletics is so great as to deserve the. 
attention of all men, — W. B. C Watson, in Outing, 



SELECTED ARTICLES 179 

THE SUMMER VACATION 

What to do with our grown-up boys during the summer, 
is in many homes a difficult question 1 . The same problem 
may arise in the case of girls, but it is generally easier of 
solution by reason of their more quiet and domestic 1 dispo- 
sition 1 and manner of life. In either case, where the ques- 
tion arises, it is well to bear in mind a few simple facts. 
First, every live, active, healthy young person needs to have 
something to do, or the best conditions of bodily, mental, 
and moral health cannot be maintained 1 . There is a lot of 
truth in the proverb 1 that "Satan finds mischief 1 for idle 
hands to do. " We might just as well face this fact with and 
for our boys as to drift on into the daugers of protracted 1 
idleness, which may mean irrevocable 1 and irreparable 1 in- 
jury to them and others. Secondly 1 , some healthy and 
regular 1 employment can probably 1 be found if earnest 1 fore- 
thought 1 is exercised in regard to the matter. The world 
needs just such fresh young energy as your boy possesses. 
It may not throw a "job" at his feet unasked. A wise 
Providence 1 takes care for the exercise of our own choices 
and activities 1 by which we are to get on in life. But if a 
boy is willing, not too nice and finical 1 , and possesses a mod- 
erate amount of earnestness 1 and push, he can usually find 
some honest and reputable 1 employment that will bring him 
to the end of the vacation healthier 1 , it may be richer, and 
it certainly will be happier far than if he just loafed away 
the summer months. And his parents should help him now 
to see and realize this. Lastly 1 , his next year's school work 
will not be hindered 1 ; it will be helped by such a use of the 
vacation. He will take up his studies in the autumn with 
a new zest. The truth is idleness is one of the worst 1 snares 
in the pathway of youth. It is well to take forethought of 
the special dangers of unemployed vacation energies and to 
provide for their profitable 1 employment. — Education. 



180 THE COMPLETE DICTATER 

THINGS THAT ARE WORTH WHILE 

Of all the dangers to which a reasonably good man is sub- 
ject, I honestly believe that the greatest is the danger of 
losing the sense of moral proportion ; of overvaluing 1 
achievement 1 as compared 1 with purpose 1 ; of overestima- 
ting 1 the small amount of visible 1 work which each of us has 
done or failed to do, compared with the vast amount of invis- 
ible work that still remains to be done. There is no success 
so great as to be worth much if it leads a man to stop work- 
ing, and no failure so great as to be irreparable 1 unless it- 
leads a man to stop trying. During the early days of the 
Civil war there were on the Northern 1 side a number of 
generals whose interest in the struggle 1 was chiefly pro- 
fessional 1 . They had been trained to lead their country's 
armies, and they intended 1 to lead them with skill and 
fidelity 1 ; but in the vital issues over which North and South 
were fighting, they had no special concern. Officers of this 
type wished to do their duty creditably 1 ; but their eyes 
were on the report upon which they would receive pro- 
motion, rather than on the deep issues of the struggle. 
One after another these men dropped out and gave place to 
others whose military 1 skill was sometimes less, but who 
were in the field to fight, not merely to get the credit of 
fighting. Grant and Sherman, Sheridan and Thomas and 
Hancock, differing in all other ways, had this in common — 
that they were not trying to win individual 1 battles, but to 
advance a cause which they had at heart. This was why 
Grant succeeded where more brilliant 1 men failed. It was 
because the brilliant men were trying to do tangible 1 things 
that should stand to their credit, while the slow and modest 
man set his hand to the general work and his face toward the 
general result, and was content to let the question 1 of pro- 
fessional credit take care of itself. — Arthur Twining Hadley. 



SELECTED AKTICLES 181 

PROFIT IN CITY WASTE 

The utilizing 1 of waste has been reduced to a science. 
Improvements still may be made in methods, but for all 
practical 1 purposes 1 the problem of getting the maximum of 
profit out of refuse has been solved. The old practice of 
paying contractors 1 large sums of money annually 1 to cart 
away and dump the city's refuse is giving place to the 
modern method of sorting, incinerating 1 , rendering, redu- 
cing, and finally using even the residue from these processes 
for fertilizing 1 land. The city that follows this modern 
method places a comfortable 1 sum to its credit at the end of 
each year. Here are a few items that, properly 1 handled 1 , 
mean profit : From a city of 300,000 inhabitants 1 a utilizing 
plant will yield 1 about 15,000 pounds of common paper 
daily ; there will be large quantities 1 of old carpets and 
sacks and a good percentage 1 of woolen rags ; thousands of 
pounds of tin cans will yield marketable 1 quantities of 
solder and pure tin, melted from the sheet iron. Boston's 
utilizing plant has been in successful 1 operation for nearly 
ten years. There every kind of waste is sorted. Old shoes 
are sold to be used again in the making of imitation leather ; 
stuff absolutely 1 valueless 1 goes into the furnace 1 , and 
profit is derived even from this material, as it furnishes 1 a 
tremendous force of excess power which is applied in operat- 
ing dynamos and in lighting hundreds 1 of incandescent 1 
lamps. The disposal of waste materials is a proper munic- 
ipal undertaking 1 . The city that still sticks to the old 
method of throwing everything away is miles behind the 
times. It has been estimated that there is enough value in 
the city's waste to pay for all the expense of keeping the 
city clean and of conserving 1 its health. Cities are rapidly 
coming to recognize this fact, and instead of expending 
enormous 1 sums for the disposal of so-called waste products, 
are beginning to realize profit therefrom. — Chicago Post 



182 THE COMPLETE DlCTATER 

THE JAPANESE INDUSTRIAL 1 POLICY 

The Japanese 1 are the only people in the world who 
study the institutions and methods of every Western 1 
nation without prejudice 1 , and can take this from one 
nation and that from another — can take their army organ- 
ization 1 from one source, their naval organization from one, 
their legislative 1 method from another, and so on. They 
are in the first stages of their modern development 1 . They 
have no prejudices against any particular Western method 
or institution. They have no great vested interests in any 
of these things. They have at various steps encountered 1 a 
national and natural prejudice against all innovations 1 , but 
an innovation of one kind is as easy to make as of another 
kind. Thus they are free to choose so as to profit most by 
Western experience. It is, therefore, interesting to observe 
how these astute builders of modern empire took the tobacco 
monopoly under government ownership 1 , and how now, as 
apart of the same policy, they are to nationalize 1 the rail- 
roads. So far as the magnitude 1 of the task goes, it is an 
easy one, for the railroad mileage in the empire is only 
about 5000 miles — no greater than any one of our great 
11 systems." The government has long had a policy of 
subsidizing 1 shipping. Indeed, it is by this method that 
its commerce has been built up. The country has four 
times the tonnage that it had ten years ago, in spite of the 
loss of vessels during the war ; it has twenty shipping com- 
panies trading with foreign countries, and there are more 
than two hundred 1 private shipyards 1 in the empire. This 
policy of subsidies 1 and government ownership is to a 
degree made both easier and more necessary because of the 
strong power of the central government and the lack of 
private capital. Nevertheless 1 , it is interesting to observe 
how the Japanese choose practices from various Western 
governments, profiting by all as no Western country can. 

World's Work. 



SELECTED ARTICLES 183 

THE SELFISHNESS 1 OF CHILD LABOR 

The child-labor question 1 presents such serious aspects 
that it is a pity it cannot be considered on its merits and 
without complication with selfish interests. In this, as in 
many other matters, there is a tendency 1 on both sides to 
run to extremes. The opponents 1 of child labor assume 
that it is an unmitigated 1 evil and should be abolished 1 
altogether, while those who favor it maintain that it is an 
inevitable 1 feature of modern industrialism 1 and necessary 
to the maintenance 1 of our commercial 1 supremacy 1 . Both 
views are wrong. Child labor is not an unmitigated evil. 
It is not so bad as child idleness or child vagrancy 1 . If 
children are to be excluded from gainful 1 employments in 
which at least the habit of industry x may be acquired, the 
state should provide means of compulsory 1 education, or at 
least of preventing 1 children from becoming educated in 
vagrancy and crime. No doubt child labor in factories 
has serious evils, but nothing could be worse than a 
wholesale system of child vagrancy. But it is not true 
that the employment of children in factories is a necessary 
feature of modern industrialism. All modern industries 
could be carried on without them. It is simply an out- 
growth of modern commercialism 1 — of a desire of employers 
to capture the ultimate 1 dollar, regardless of consequences 1 
to the children or to the future of the race. The employers 
of child labor are not concerned about the welfare of mod- 
ern industrialism or the maintenance of our commercial 
supremacy ; they are after wealth, and believe in child 
labor because they can make more money out of it. At the 
sametime, it must be admitted that some of the opponents 
of child labor who profess to be actuated 1 by purely hu- 
manitarian 1 motives are really actuated by selfish ones. 
There seems to be a need for more toleration 1 on the part of 
both parties to this question, as well as for saner methods 
in its solution. — Indianapolis 1 News. 



184 THE COMPLETE DICTATER 

IRRIGATION 

Irrigation 1 was understood before the Christian era, 
and was practiced 1 in Egypt, Asia Minor 1 , Persia 1 , and 
Assyria 1 . England has always recognized its value, and 
has expended three hundred million dollars in India upon 
irrigation works, which have done much to render more 
certain the crops of that region. England is today expend- 
ing millions of dollars on the Nile in extending the area of 
irrigation. Thus our government in taking control of the 
vast arid region of the West, and so constructing an intel- 
ligent 1 system of reservoirs 1 and canals as to render an un- 
fruitful land productive 1 , merely follows in the footsteps 1 
of ancient dynasties 1 , and adopts the ideas of intelligent 
men who have gone before. America has been settled by 
j>eople fleeing from religious persecution 1 and by people 
borne down by the want and poverty of the Old World. If 
the new-born millions of Continental 1 Europe 1 had not had 
a new land to which to immigrate 1 — a new land productive 
of more foodstuffs 1 than were necessary for the support of 
its own increasing population — then the densely crowded 
cities and rural communities 1 of Europe might well have 
been devastated 1 by frightful pestilences 1 and famines. 
Thus does nature regulate 1 the supply and the numbers of 
those who consume, and thus has the struggle 1 for very 
existence among European 1 people been alleviated 1 . All 
mankind turns to nature. Once nearly all men were agri- 
culturists 1 , but the increase of population in given areas 
called for skilled specialists 1 in certain branches of labor ; 
so mankind was weaned from the plow and hoe and turned 
to the hammer and the pen. This reclamation 1 of unused 
land will give opportunities for multitudes 1 who are now 
employed in sedentary 1 and mercantile 1 pursuits 1 , to leave 
their unsatisfactory 1 employments for the tilling of the 
soil. — Youth's Companion 1 . 



SELECTED ARTICLES 185 

HONESTY IN BUSINESS 

The spirit 1 which pervades 1 the business world at the 
beginning of this twentieth century is loftier in tone than 
ever before in the history 1 of this country. Manufacturers 1 
are beginning to realize that the production 1 and sale of 
dishonest 1 and spurious 1 articles is no longer profitable. A 
merchant's statements with regard to his goods are accepted 
as true until they are proved false. An article, to be worth 
advertising today, must have merit, and advertising, to be 
remunerative 1 , must be restricted to truthful 1 statements. 
Dishonest goods, like a depreciated 1 currency, are not 
popular 1 with business men. a Clairners " are coming 
more and more to be marked men in commercial 1 transac- 
tions 1 , and this question is receiving a great deal of consid- 
eration in passing upon credit risks. Men who try to over- 
reach in their dealings with others and who seek to get the 
better of a bargain by resorting to methods which are as 
petty as they are contemptible 1 , are being excluded from 
the class of favored and trusted customers. The adhesive 1 
bond in the business structure 1 of the day is a stronger 
faith in one's fellowmen. Distrust disintegrates 1 , mutual 
confidence 1 builds up and cements together, the business 
community 1 . It is pleasant to contemplate 1 that honesty 
and fair-dealing are now the rule rather than the exception 
in business enterprises. The commercial world seems to 
have realized at last that honesty is really the best policy. 
There is a growing disposition among merchants every- 
where to consider character 1 as among the strongest 1 assets 
a man can have. While the spirit of competition 1 is keener 
today than ever before, I think there is less and less malice 
and harsh feeling between competitors 1 in similar trades as 
time goes on. This is evidenced by the growth of organi- 
zations 1 among merchants and manufacturers in the same 
line of business. — James G. Cannon. 



186 THE COMPLETE DICTATE^ 

DEMOCRACY 

Democracy 1 is more than a form of government. England 
is democratic 1 , but her form of government is different from 
ours ; France also is democratic, but her form of government 
is different both from ours and that of England. Democracy 
means not only government "of the people, for the people, 
by the people ;" it also means industry 1 , education, and 
religion " of the people, for the people, and by the people. " 
It means a recognition of the truth that wealth is in some 
sense a common wealth ; it means, therefore, a larger dis- 
tribution 1 of wealth and a more popular 1 control over wealth. 
It is hostile 1 to any state of society in which the many labor 
that the few may be idle. It involves industry of brain or 
of muscle by all men, and it involves fair recompense 1 for 
toil to all men. Industrial 1 democracy is not yet estab- 
lished 1 , but even here in America, where the industrial 
democracy is not yet achieved, there is a larger distribution 
of wealth and material happiness, and a greater necessity for 
universal 1 labor, and a greater recognition for that necessity, 
than ever existed in the past, or than exists in any other 
quarter of the globe, Australia 1 alone excepted. Democracy 
is also education for the people and by the people ; not 
merely nor mainly for the intellectual 1 class ; education, 
therefore, in those things which all the people need ; and 
education directed 1 and controlled by the people. Occa- 
sionally in America we find protests uttered against univer- 
sal education ; occasionally sporadic 1 efforts in the South to 
lessen education for the negroes ; occasionally some man in 
the North saying that we have carried our common-school 
system too far, and are educating too many, or giving too 
large an education. But these protests pass by as idle wind 
which people heed not. On the whole, the great educational 
movement goes forward. — Outlook, 



SELECTED ARTICLES 187 

THE JAPANESE 1 IN AMERICA 

That part of the President's message which relates to the 
treatment of Japanese in this country has been received in 
Japan with the strongest 1 approval 1 , and will go far to 
strengthen the already friendly international 1 relations of 
the two countries. No subject of the emperor of Japan 
could possibly read the hearty praises of Japan's marvel- 
ously 1 rapid transition 1 in the last half-century, from the 
civilization 1 of the Middle Ages into that of a nation of the 
first rank in art, science, industry, and prowess 1 by sea and 
on land, without feeling that President Roosevelt spoke with 
sincerity 1 and cordiality 1 . The specific 1 recommendation 
that the privilege 1 of naturalization 1 be offered by Congress 
to Japanese intending to become American citizens ; the 
request that the President receive ampler powers to enforce 
the rights of aliens 1 under treaty ; the assurance 1 that exist- 
ing powers will be employed, including, if necessary, the 
military 1 and civil forces, which may be lawfully used (the 
last has been absurdly 1 distorted 1 by some sensationalists 1 , 
without regard to its context, into a threat to coerce state 
authorities 1 acting within their constitutional 1 rights) ; and 
the declaration that the Japanese have " won on their merits 
and by their own exertions 1 the right to treatment on a basis 
of full and frank equality 1 " — all these positive and obvi- 
ously 1 spontaneous 1 expressions of good-will are naturally 
grateful to the pride of Japan, and assure that nation that 
our government will uphold the rights of the Japanese of 
America, will punish acts of violence 1 or wrong-doing 
toward them, so far as possible, and will deal justly with 
individual 1 questions concerning them as such questions 
arise. The attitude 1 of Americans towards the Japanese, as 
indicated by the President's stand in the California 1 inci- 
dent, is one of decided friendship 1 and cordiality. — Outlook. 



188 THE COMPLETE DICTA TER 

FOR AMERICAN INFLUENCE IN CHINA 

It is a good suggestion made by President James, of the 
University 1 of Illinois 1 , that our government send an edu- 
cational 1 commission 1 to China, with the purpose 1 of inducing 
the Chinese authorities 1 to send to our schools and colleges 
the young men that go abroad to be trained under Western 1 
methods and institutions. The suggestion has been very 
cordially 1 received by the press, and it has common sense 
to commend 1 it. China is waking up — more slowly than 
Japan awoke ; but within a generation very many changes 1 
will come, and many of them will be brought about under 
the direction 1 of Chinamen who have been educated abroad, 
as the great changes in Japan were similarly directed 1 . 
This bare statement brings a long list of suggestions to 
every thoughtful mind, and it carries instant conviction of 
the wisdom 1 of President James's suggestion. There are 
many Chinese students 1 in foreign countries besides the five 
thousand or more who are said to be receiving instruction 1 
in Japan. They go chiefly to England, France, and Ger- 
many. They avoid the United States chiefly because of the 
rude enforcement during past years of our Chinese exclu- 
sion law and of the prejudice 1 which they naturally think 
we feel against them. Yet if we desire the good-will, the 
trade, and an intellectual 1 and industrial 1 influence in 
China, there is no other way to get these things quite so 
directly 1 as by welcoming and training the men who a few 
decades 1 hence will exert 1 a strong influence there in gov- 
ernmental 1 , educational, financial 1 , and industrial ways. 
The opportunity is the greater because our friendly atti- 
tude 1 to China (except for our too harsh administration 1 of 
the exclusion 1 law) has been in recent years more important 
and helpful than the attitude of any other country. A 
commission, such as is suggested, if wisely chosen, could 
perform 1 a far-reaching service both to the Chinese and to 
ourselves. — World 1 s Work. 



SELECTED ARTICLES 189 

NATIONAL GRATITUDE 1 

This Thanksgiving 1 day finds Americans blessed with 
every form of material prosperity 1 . The tide of commer- 
cial 1 activity was never so high ; it chokes all the channels 
of transportation 1 , and the problems of the hour are the dif- 
ficulties of dealing with the enormous 1 development 1 which 
still continues 1 unchecked. For these material blessings 
and the comfort they bring with them, national thanksgiv- 
ing is due. But, above all, Americans should be grateful, 
not for the wealth they are continuing 1 to store up, but for 
the deepening consciousness 1 of infidelity 1 to great trusts 
and unfaithfulness 1 to high standards 1 , and for the awaken- 
ing conscience of the nation. There is no prosperity in 
wealth divorced 1 from generosity 1 , morality, and the sense 
of obligation. This country has passed through two years 
of very severe searching of its own record, of very serious 
misgivings 1 concerning its own moral condition ; and at 
last it has come to a time of confession and repentance 1 . 
The vast majority 1 of men have been free of all immoral 1 
intent 1 , of any purpose 1 to betray a moral trust or to lower 
moral standards ; but the whole country has been guilty of 
moral sluggishness 1 , carelessness 1 , and indifference. Evil 
practices have gone so far and penetrated 1 so deeply that 
they have in a certain sense corrupted 1 the public 1 and 
commercial life of the country. It is impossible to shut 
one's eyes to the fact that many men of the highest personal 
character 1 have been blind to moral obligations in business 
relations, and are guilty of practices which they would 
scorn in private life. The awakening has come not a mo- 
ment too soon ; that it will be thorough, there is no longer 
the slightest question 1 ; that new standards of moral action 
are defining themselves and new duties revealing them- 
selves, becomes clearer every day. A new revelation of 
righteousness 1 is slowly writing itself on the hearts of the 
American people. — Outlook. 



190 THE COMPLETE DICTATER 

THE ART OF CONVERSATION 

One of the main advantages of conversation 1 is that it is 
a potent 1 means of worldly advancement 1 . There can be no 
doubt that many men and women have been indebted 1 to 
this almost exclusively 1 for a great success. Assuming, 
then, that there is an art of conversation, the mastery 1 of 
which requires study and practice, the question 1 arises : 
How shall skill in this art be acquired? To answer this 
question we must first determine 1 what are the qualifica- 
tions 1 essential 1 to a good conversation. First, there is the 
physical quality 1 of a pleasing voice. This is not indis- 
pensable 17 , for there have been good talkers even with an 
impediment 1 in their speech. Charles Lamb was one, in 
spite of his stammer 1 . Indeed, the hesitation in his utter- 
ance served only to call attention and give emphasis to the 
quaint or felicitous 1 expression that followed it. Of the 
mental conditions of good conversation, the most important 
is knowledge 1 . There is no kind of knowledge which may 
not be serviceable at sometime, and the greater the amount 
and variety of one's acquisitions 1 , the finer the talk will be. 
To be a good talker one requires not only to have a varied 
knowledge, but to have it at his instant and absolute 1 dis- 
posal. All his acquisitions from books, observation 1 , or 
converse with others should, therefore, be thoroughly 
digested 1 and assimilated 1 , so that their quintessence 1 , as 
it were, may be at the very tip of his tongue. Of all the 
qualities needful to a good converser, none is more indis- 
pensable than tact — a gift which defies exact definition, but 
which ail recognize when they see it. The best talkers, 
though born with peculiar 1 gifts, cultivated 1 their aptitude 1 
by reading, reflection 1 , and observation. Conversation is 
an art ; but it is an art which may be acquired ; and no 
acquisition yields 1 a surer or larger return for the effort it 
exacts. — Saturday Evening 1'ost, 



SELECTED ARTICLES 191 

AGAINST PRISON SIGHTSEEING 

Massachusetts 1 , whose legislators 1 do not by any means 
restrict their labors to the enactment 1 of "blue" laws, is 
now rejoicing in a new statute 1 which forbids 1 the admis- 
sion of parties of sightseers or other merely curious visitors 1 
to penal institutions. Even companies of college students 1 
are debarred from making prisons the scenes of "social 
studies." Some unfavorable criticism 1 of the law has been 
heard, but on the whole it appears to be cordially 1 approved 
by public 1 sentiment. There is reason to wish that such a 
law were in force, and had long been in force, in other 
states. There has been, in New York 1 and elsewhere 1 , en- 
tirely too much indiscriminate 1 visiting of prisons by com- 
panies of idle or morbid sightseers. Sentimental 1 women 
have flocked to the cells where notorious and most loath- 
some 1 criminals 1 have been confined. Troops of school girls 
in their teens have been permitted to " see how it felt " to 
be locked in the death cell and to sit in the electric 1 chair. 
Gaping holiday-makers have gazed at the confined convicts 1 
as they would at beasts in the menagerie 1 , and have specu- 
lated 1 as to which of them was such or such a notorious 
criminal. It is all very vulgar and disgusting, and should 
be abolished 1 . No conceivable good purpose 1 can be served 
by it, while its potentialities 1 for mischief are great. It is 
not fitting to use a public institution for the gratification 1 
of unhealthful 1 curiosity 1 and morbid tastes. It is not 
profitable 1 for susceptible 1 and impressionable 1 minds to be 
brought into contact with reminders 1 of vice and crime. 
The state may properly 1 provide places of instructive 1 and 
inspiring resort for the public ; these are refreshing 1 to the 
spirit 1 and conducive to health. Places which are depress- 
ing in association 1 and degrading in suggestion should be 
closed against all save those who have serious business 
within their walls.— New York Tribune. 



192 THE COMPLETE DICTATER 

JAMAICA'S FUTURE 

Jamaica, as a colony, has been one of England' s invalid 
dependencies 1 for years, and since Mr. Chamberlain's 1 
colonial 1 secretaryship 1 the British 1 have been studying 
ways of helping it to a larger prosperity 1 . There is a 
reminder 1 of this fact in the agricultural 1 conference 1 
which was being held at Kingston when the earthquake 1 
visited the place. The English 1 delegation 1 present 
embraced men who are making a special study of the ques- 
tion 1 of the island's 1 economic 1 future and who hope to 
make Jamaica's connection 1 with the British empire con- 
sistent 1 with its industrial 1 welfare. The difficulty of the 
island's position is that it is debarred from the United 
States market, while such competitors 1 as Caba and Porto 
Eico 1 enjoy special tariff privileges 1 there. The Jamaica 
sugar 1 planter 1 cannot thrive under such conditions, and 
his situation 1 is not improved when he reaches the British 
market, where his competitors are admitted on equal terms 
with himself. In late years efforts have been made to 
diversify 1 Jamaica's products and adapt them particularly 
to the British trade, but such a movement finds itself 
struggling 1 against the tendencies 1 of West Indian 1 pro- 
ducts to seek the vast market of the United States, within 
whose economic sphere all those islands are placed by 
decree of nature,, The blow to Kingston from the earth- 
quake and fire must be considered in connection with the 
precarious 1 economic situation of the colony as a whole and 
its struggles to maintain 1 its economic foothold 1 in the 
world's markets, if the significance 1 of the disaster 1 is fully 
discerned 1 . The primary value of Jamaica to England is 
today the same as it always has been — its strategic 1 posi- 
tion as a fortress 1 and naval base. The island was acquired 
in war, and it has never represented 1 anything but a war 
value.— Springfield Republican 1 . 



SELECTED ARTICLES 193 

TAXATION 1 FOR EDUCATION 

If we are to have school -houses properly 1 equipped 1 for the 
trainiug of the body, as well as the mind, for manual train- 
ing, play, gymnastics 1 , and athletics 1 ; if all children 1 are to 
enjoy their God-given right to education 1 ; if schools are to 
be equipped for scientific 1 as well as literary 1 studies ; if 
salaries 1 are to be paid to teachers that will attract men and 
women of breeding and refinement 1 to the teaching profes- 
sion ; and if all the teachers are to be thoroughly 1 trained so 
that they will be models to imitate and persons capable 1 of 
arousing interest and inspiring 1 effort — if all these things 
are to be accomplished 1 , it is evident that the sums devoted 1 
to education in America, enormous 1 as they are, must be 
very greatly increased. For effective 1 purposes 1 , the reve- 
nue of a public 1 school system ought to possess two char- 
acteristics 1 : First, it should be ample, and second, it should 
be stable. It should be sufficiently 1 ample in each com- 
munity 1 to provide schooling for all children in classes 
not to exceed forty to a teacher, and in adequately 1 equipped 
buildings 1 ; to pay teachers reasonable salaries so that they 
may be able to live in refined surroundings 1 and take advan- 
tage of opportunities for self -improvement 1 ; and to provide 
pensions 1 after retirement 1 so that while in active service 
they may be relieved 1 of anxiety 1 regarding provision 1 for 
old age. It should be stable so that the educational 1 authori- 
ties 1 may be able to carry out a consistent 1 and progressive 1 
policy. It should not be subject to the whims 1 and caprices 
of the politicians 1 who control the municipal 1 administra- 
tions 1 of our large cities. It should not be fluctuating 1 from 
year to year and thus lead to the establishment of activities 1 
one year which must be abandoned for lack of funds the 
next. If the schools are to meet the demands which so- 
ciety makes upon them, a sufficient 1 school tax must be 
fixed by law, and the proceeds of this tax must be held 
sacred to the causes of education. — Current Literature 1 . 



194 THE COMPLETE DICTA TER 

THE MILITARY 1 INDUSTRY 1 

It has become an old story that the army of the United 
States is today unable to keep its ranks filled, for the sim- 
ple and sufficient 1 reason that the government service does 
not pay anything like as good wages as do civil pursuits 1 . 
The labor unions and high prosperity 1 have combined to 
secure to civil labor an unprecedented 1 wage, beside which 
the army pay-table looks uncommonly 1 stingy. No labor 
union exerts 1 any influence on the soldier's wage-scale ; 
and, although the demand for workingmen 1 to wear the 
blue is extreme, the military authorities 1 are unable to ad- 
vance wages without the action of Congress. Reports from 
army headquarters 1 all over the land and from recruiting 
stations are unanimous 1 in pointing out the difficulty found 
in enlisting men and in holding soldiers after their terms 
expire. Congress, which has never been stirred by senti- 
ment over the matter or by any argument designed merely 
to show that the soldiering trade deserves better pay, is now 
confronted with the practical 1 condition that, unless better 
provision is made, the army may find itself without sol- 
diers. General Funston in his report submits that the life 
of the army is actually menaced by this condition. As 
commander 1 of the Department 1 of California 1 , he is able 
to observe the situation 1 in its extreme phase. Bricklay- 
ers 1 , plasterers 1 , plumbers, and the general run of skilled 
tradesmen in San Francisco 1 get bigger pay than army offi- 
cers up to the grade of captain, and vastly more pay than 
the men in the ranks. Inasmuch 1 as the pursuit of sol- 
diering in this country is left to free choice, and the army 
is made up of free men and not conscripts 1 , the government 
must inevitably 1 face extraordinary 1 competition 1 in times 
of general industrial 1 activity. It is high time the govern- 
ment takes cognizance 1 of these facts and readjusts its army 
pay-scale accordingly. — Providence^ Journal. 



SELECTED ARTICLES 195 

HARD LINES FOR THE CLERK 

The case of the government clerk has been receiving a good 
deal of attention in connection with various suggestions for 
a pension system. It is said that his work is the most unin- 
spiring 1 routine drudgery 1 ; that the utmost he can reason- 
ably hope for is, by long service, to w T in an $1800 place ; 
that he is pretty apt to be unambitious 1 and improvident 1 . 
The Secretary 1 of the Treasury is on well -approved ground 
when he quotes Franklin 1 ; urges the federal 1 employee to 
cultivate 1 thrift, open a savings account, and stand on his 
own feet. The clerkly 1 class is a numerous one, and con- 
tinually 1 growing. Every large city has its army of clerks 
in railroad offices, banks, stores, and the like. The prin- 
cipal difference between them and the government employees 
is that their hours are longer, their work harder, their pay 
smaller, their chances for finally winning an $1800 place, on 
the whole, decidedly less, and they are not tempted to 
improvidence 1 , like the government clerks, by a knowledge 1 
that they have practically 1 a life tenure 1 of- their jobs. On 
the contrary, they have every reason to suppose that they 
will be discharged 1 if age impairs 1 their efficiency 1 . As to 
their providence, most cities with a large clerical 1 population 
fairly swarm 1 with benevolent 1 Shylocks who do a fine 
business making loans without security to salaried 1 people 
at about double pawnshop 1 rates. It is good to quote 
Franklin to them ; but conditions have changed since Frank- 
lin's day. The city clerk has to pay a high tax on living 
expenses for the modern improvements and the wealth that 
surround 1 him. About all he can do with his money is to 
put it in a savings-bank and get three per cent, interest. 
A very diligent reading of Poor Richard is necessary to 
extract a high degree of cheer from such prospects 1 . 

Saturday Evening Post. 



196 THE COMPLETE DICTATER 

MEN OF COMMANDING PERSONALITY 

When we say of a man, " He has a commanding 1 person- 
ality 1 ," we snm up in a short phrase a total of elements or 
qualities 1 , some perhaps 1 discoverable 1 in their outward 
action, but more of which are indefinable 1 . This indefina- 
ble thing, the human personality, is in all the affairs of life 
the most powerful factor 1 . It is in a large measure the secret 
of the orator's 1 influence, the politician's 1 triumph, and the 
business man's success. Many examples 1 of great achieve- 
ment 1 in enterprise, commerce, and finance are living among 
us now, the cause of whose power lies in their personality. 
Those who are dead we can properly 1 name. Collis P. 
Huntington 1 was one of them. He had his way among 
men ; they yielded 1 to his force of character 1 . He made 
men believe in his plans, and they fell in line to support 1 
him with their capital and their credit. Stephen Girard 1 , 
John Jacob Astor, Cyrus W. Field, George Peabody, Cor- 
nelius 1 Yanderbilt 1 , are the names of some who come most 
readily to mind. Is it worth while to explore for the secret 
of power which actuated 1 these men and their like? Some 
features 1 are obvious 1 enough, and those we may catalogue, 
while others, perhaps 1 equally important, cannot be classified 1 
and labeled. They must remain mysteries 1 hidden even to 
those who possessed and used them. The qualities 1 most 
obvious 1 are ambition backed by energy, which drives the 
possessor to action ; courage, restrained 1 by an instinctive 1 
prudence, that guards from an excess of hazard 1 ; the 
mental ability to perceive 1 things in their true nature, 
and what they are in their relationships 1 . These, united 1 , 
blended, balanced, and vivified 1 by interior 1 forces or influ- 
ences which cannot be traced, compose what we recognize 
as the personality. The power of this subtle something 
cannot be denied; it is too plainly felt to be ignored. 

Lyman J. Gage, 



SEUSCTED ARTICLES 197 

BUSINESS CONDITIONS OF TODAY 

It is a common criticism 1 of present business conditions 
that the man of small means or of no means has no chance to 
do anything for himself. The best he can do is to take a 
position for wages or salary. And so the business world is 
divided between a comparatively 1 small number of large 
capitalists 1 and a great army of employes. In Carlyle's 
phrase, the only relation between the modern capitalist and 
the men his capital employs is the cash relation. It is true 
that the tendency 1 of business since the introduction 1 of 
machinery 1 has been toward the large scale of doing things. 
It is true that steam, electricity 1 , and consolidated 1 capital 
are in our own days eliminating 1 the small producer and the 
small trader. And it is true that the chance of men becom- 
ing independent 1 producers and traders is vastly less than it 
was in the time of our fathers. But production 1 and trans- 
portation 1 on a vast scale have amazingly 1 cheapened all the 
necessaries and comforts of life. This is the great, solid, 
indisputable 1 advantage which combined capital and large 
production have brought to the human race. Another criti- 
cism more serious and difficult to answer is based on moral 
grounds. What is the terrible charge which the public 1 
brings against business men or their leading representa- 
tives 1 ? The insurance investigations 1 demonstrated 1 in the 
high places of business a shameless disregard 1 of morality, 
honor, and fidelity 1 to sacred obligations and trusts. At the 
sametime, the legal officials and the judicial 1 tribunals 1 of 
the states and of the nation have been furnishing 1 similar 
presentments 1 of the immoral practice of other large compa- 
nies and corporations 1 . Bigness is every where the enemy of 
conscientiousness 1 . The moral problem for the business world 
is this : The practice in big affairs of the same honor, fidel- 
ity, and justice which it now practices in other affairs. 

Jacob G. Schurman. 



198 THE COMPLETE DICTATES 

SPREADING MEDICAL KNOWLEDGE 1 

The day of making a mystery of disease 1 is past. With, 
the spread of enlightenment 1 in all branches of knowledge, 
ignorance 1 cannot exist in regard to matters of physical 
being. If it ever was the policy of the doctors to withhold 1 
information on points that their patients 1 should have 
known, it is so no longer. This is a day when the preven- 
tion 1 of disease is counted as more important than the cure 
of sickness ; the most important medical research 1 work of 
the time is along the line of preventive 1 measures — and there 
can be no safeguarding 1 of the public 1 against disease with- 
out taking the public into confidence 1 and winning its 
cooperation 1 . This the profession 1 and allied organizations 1 
are doing in marked degree. A splendid manifestation 1 of 
the cooperative 1 spirit 1 on the medical side is exhibited in 
the plan of the Harvard 1 Medical School to offer to the pub- 
lic a course of lectures 1 , entirely free and without even the 
formality 1 of the use of tickets, to be given by medical ex- 
perts on Saturday evenings and Sunday afternoons, on a 
large variety of subjects pertaining 1 to the general health. 
The speakers will be specialists 1 , and the opportunity is open 
to the Boston public to learn how to avoid disease and how 
to care for it when it appears in any of its familiar 1 phases. 
It is an opportunity that should be largely taken advantage 
of, for an otherwise 1 intelligent 1 person should not tolerate 1 
ignorance on matters of the health. And it is well that the 
public should be brought into closer touch with the institu- 
tions 1 of learning. These are beginning to discover that their 
opportunity is not limited to the youth that seek instruc- 
tion 1 , but that to the maturer 1 members of the community 1 
they can extend many advantages, It is to be hoped that 
Harvard's example will be emulated by other institutions, 
and that the people in all sections of the country will be 
given the opportunity to learn the simple laws of health. 

New Bedford 1 Standard 1 . 



SELECTED ARTICLES 199 

COLLEGE MEN AND CITIZENSHIP 1 

Remember that to take part in the work of government 
does not mean of necessity to hold office. It means to take 
an intelligent 1 , disinterested 1 , and practical 1 part in every- 
day duties of the average citizen 1 , of the citizen who is not 
a faddist or a doctrinaire 1 , but who abhors 1 corruption 1 and 
dislikes inefficiency 1 ; who wishes to see decent government 
prevail 1 at home, with genuine 1 equality 1 of opportunity for 
all men, so far as can be brought about ; and who wishes, as 
far as foreign matters are concerned, to see this nation treat 
all other nations, great and small, with respect 1 , and, if 
need be, with generosity 1 , and, at the sametime, show her- 
self "able to protect 1 herself by her own might from any 
wrong at the hands of any outside power. Each man here 
should feel that he has no excuse, as a citizen in a demo- 
cratic 1 republic 1 like ours, if he fails to do his part in the 
government. It is not only his right to do so, but his duty, 
his duty both to the nation and to himself. Each should 
feel that, if he fails in this, he is not only failing in his duty, 
but is showing himself in a contemptible 1 light. A man may 
neglect 1 his political 1 duties because he is too lazy, too sel- 
fish, too short-sighted 1 , or too timid ; but whatever the rea- 
son may be, it is certainly an unworthy reason, and it shows 
either a weakness or worse than a weakness in the man's 
character 1 . Every man in this country is born to responsi- 
bilities 1 of citizenship, and the measure and quality 1 of the 
service which he should render the state may be properly 
gauged by the education he has enjoyed. Above all, college 
men, remember that if your education 1 and the pleasant lives 
you lead make you too fastidious 1 , too sensitive to take part 
in the rough hurly-burly 1 of the actual work of the world ; 
if you become so over-cultivated 1 , over-refined that you 
cannot do the hard work of practical 1 politics 1 , then you 
had better never have been educated at all. 

Theodore Roosevelt. 



200 THE COMPLETE DICTATES 

EDUCATION FOR BUSINESS 

To do justice to the business man, the college should give 
him early skill in a few simple subjects which have little 
value in mental training. The college will save his time by 
teaching these regardless of their academic 1 value. It can 
teach stenography, bookkeeping, and commercial 1 law, as 
it now teaches wood-working, voice-culture 1 , and punc- 
tuation 1 . What the student 1 needs is the college's justifi- 
cation 1 . For the rest, the business man will find many of 
his special needs met by the studies which are distinctly 1 
academic. Among these are English 1 composition and 
English literature 1 , American history 1 and the modern 
history of Europe and Asia, elementary 1 law, interna- 
tional 1 law, political 1 science, economics 1 , finance, German, 
Spanish, and a serious drill in at least one of the sciences. 
Especially 1 valuable to the man of affairs is a practical 1 
familiarity 1 with the methods of scientific 1 research 1 , for 
by such methods alone is research of any kind made effect- 
ive 1 . By sound methods he should investigate 1 such sub- 
jects as these : The effect on business of gold and other 
standards 1 of value ; the effect of a protective 1 tariff and 
other tariffs ; the result 1 on commerce of friendly and 
unfriendly foreign relations ; the relation of trade to the 
flag ; the results, immediate and ultimate, of subsidies 1 , 
trusts, and bounties 1 ; the possibilities 1 of railroad control ; 
the methods of dignified 1 and economic local government ; 
the question of municipal control ; the meaning of civil- 
service reform 1 . These subjects and others of like char- 
acter 1 should be studied, not didactically 1 , not emotion- 
ally 1 , but by practical investigation 1 on the lines of actual 
business. To give sound methods of investigation is the 
highest duty of the real university 1 . A system of training 
which misses this should hardly be called education, for it 
is the function 1 of training to disclose the secret of power. 

David Starr Jordan. 



SELECTED ARTICLES 201 

TILLAGE OF THE SOIL 

A clear recognition on the part of the whole people, from 
the highest down to the lowest, that the tillage 1 of the soil 
is the natural and most desirable occupation, 1 for man, to 
which every other is subsidiary 1 , and to which all else must 
in the end yield 1 , is the first requisite 1 . Then there will 
be a check administered 1 to the city movement that lowered 
the percentage of agricultural 1 labor to the whole body of 
persons engaged in gainful occupations in the United States. 
With public 1 interest firmly fixed upon the future, the 
country, in mere self-preservation 1 , must give serious atten- 
tion to the practical 1 occupation of restoring agriculture 1 to 
its due position in the nation. The government should 
establish 1 a small model farm on its own land in every 
rural congressional 1 district, later perhaps 1 in every county 
in the agricultural states. Let the Department of Agricul- 
ture show exactly what can be done on a small tract of land 
by proper 1 cultivation 1 , moderate fertilizing 1 , and due 
rotation of crops. The sight of the fields and their contrast 
with those of neighbors, the knowledge 1 of yields secured 
and profits possible, would be worth more than all the 
pamphlets 1 poured out from the government printing- 
office in years. The government should not hesitate before 
the comparatively 1 small expense and labor involved in 
such a practical encouragement of what is the most import- 
ant industry 1 of the present and the stay and promise of the 
future. Disseminate 1 knowledge of farming as it should 
and must be, instead of maintaining 1 the pitiful bribe of a 
few free seeds» Declare everywhere, from the executive 1 
chamber, from the editorial 1 office, from the platform 1 , and 
above all from every college class-room and from every 
little school-house in the lane, the new crusade 1 . Only thus 
may a multiplying 1 population secure its permanent 1 
maintenance 1 and lay the foundations 1 of enduring pros- 
perity 1 . — James J. Hill. 



202 THE COMPLETE DICTATES 

THE TRUSTS AND SOCIALISM 1 

Large combinations have come to stay ; and their exist- 
ence 1 must and will be made constant with the mainten- 
ance 1 of competition 1 . The socialists 1 who regard the 
development 1 of great trusts with serenity 1 because it 
seems to be a step toward the assumption of control over 
industry 1 by the state, are much mistaken 1 . The growth 
of large trusts is the result of free competition between the 
most powerful and efficient 1 managers of production 1 . The 
outcome of free play has been the gains of large production. 
The exceeding great attention given to the subject in these 
days is mainly due to the questioning 1 whether some evolu- 
tions of society have developed 1 acts which injure other 
parts of the community 1 . Accordingly, society is setting 
itself to work to retain all the essential 1 advantages of large 
operations and yet protect 1 the rights of individuals 1 . 
There is no reason yet to believe that this task, any more 
than others in the past, is beyond the powers of the Ameri- 
can people, with its Anglo-Saxon 1 traditions. It is the evi- 
dent purpose 1 of our public 1 to preserve 1 the essential 1 
virtues of the competitive 1 system ; to allow bigness, but 
to prevent 1 evils ; to allow combinations, but to prevent 
monopoly 1 ; to allow managerial 1 power full sway, but to 
prevent 1 its injury to the rights of private individuals. 
Instead of a tendency 1 to socialism and the abolition of 
competition, the trend is greatly in the opposite direc- 
tion 1 — toward a vigorous 1 assertion 1 of the enjoyment of 
free and equal competition. In brief, large combinations 
have disclosed a new form of industrial 1 power which has 
its gains as well as its dangers ; and the United States 
undoubtedly 1 believes that it is strong enough to permit 
this new power to work itself out legitimately 1 , but under 
constant restraint and oversight for the protection 1 of all 
the rights, liberties, and opportunities of the weak. 

J. Laurence Laughlin. 



SELECTED ARTICLES 203 

THE BORROWED MIRROR 1 

" What will other people think?" is the most cowardly 1 
phrase in use in society. Only weak men stand in fear of 
the censure 1 of the neighborhood 1 . Whatever is great in 
life brings down censure upon the head of the doer. A man 
who lives, moves, and has his being in other people's opin- 
ions 1 has not risen to the level of animal intelligence 1 . The 
dog and horse are at least sincere 1 and natural in all their 
acts. Why not dress your life before your own mirror? 
Look for your reflection 1 in your own mind. There is a 
secret judge of all your acts within you. Conscience 1 is your 
private opinion of yourself ; see that it approves of your 
every act, and then toss your head at your neighbor's opin- 
ion of you. W T hy borrow a thing when you possess it your- 
self? What does it matter what others think of your 
actions? What do you think of them ? Some men crouch, 
crawl, and skulk all their lives. They are cowed by a 
whisper ; their purpose 1 is shaken by a look. They run 
like sheep before somebody's opinion, though they would 
return blow for blow if they were attacked on the highway. 
They are larded 1 , greased, and curled 1 wax-figures. When- 
ever they move you know that Public 1 Opinion has pulled a 
wire somewhere. When they speak you know w T hat they 
will say. They are not men enough to offend. The ogre, 
Public Opinion, slays more originality 1 and individuality 1 
than all the barbarous 1 superstitious 1 codes put together. 
It is the modern Moloch before which we all meekly bend. 
That shameful hypocrisy 1 w T hich permeates 1 society every- 
where is born of the fear of other people's opinions. Sin- 
cerity 1 and plain-speaking are at a premium everywhere. We 
lie from morning until night, and pretend to things we 
abhor 1 . Turn once upon that lazy braggart 1 , Public Opin- 
ion, and see it scamper away. It is our latest idol, the 
modern social 1 Juggernaut 1 . 

Benjamin De Casseres 1 , in Cosmopolitan 1 . 



204 THE COMPLETE DICTATER 

AMERICANISM 1 

Americanism of the right sort we cannot have too much. 
By Americanism I do not mean that which had a brief 
political 1 existence 1 more than thirty years ago. That 
movement was based on race and sect, and was, therefore, 
thoroughly un-American, and failed, as all un-American 
movements have failed in this country. True Americanism 
is opposed utterly to any political divisions resting on race 
and religion. To the race or to the sect which, as such, 
attempts to take possession of the politics 1 or the public 1 
education of the country, true Americanism says, " Hands 
ofr.'' The American idea is a free church in a free state, 
and a free and unsectarian 1 public school in every ward 
and in every village, with its doors wide open to the 
children of all races and of every creed. It goes still further 
and frowns upon the constant attempt to divide our people 
according to origin or extraction 1 . Let every man honor 
and love the land of his birth and the race from which he 
springs, and keep their memory green. It is a pious and 
honorable 1 duty. But let us have done with British 1 - 
Americans and Irish 1 -Americans and German- Americans, 
and all be Americans — nothing more and nothing less. If 
a man is going to be an American at all, let him be so with- 
out any qualifying 1 adjectives 1 , and if he is going to be 
something else, let him drop the word American from his 
personal description. Mere vaporing and boasting become 
a nation as little as a man. But honest, outspoken 1 pride 
and faith in our country are infinitely 1 better and more to 
be respected 1 than the cultivated 1 reserve which sets it 
down as ill-bred and in bad taste ever to refer to our 
country except by way of depreciation 1 , criticism 1 , or gen- 
eral negation. We have a right to be proud of our vast 
material success, our national power and dignity 1 , and our 
advancing civilization 1 . — Henry Cabot Lodge. 



SELECTED AKTICLES 205 

RIGHTS AND DUTIES 

People talk of liberty as if it meant the liberty of doing 
what a man likes. I call that man free who is master of 
his lower appetites, who is able to rule himself. I call him 
free who has his flesh in subjection to his spirit. We hear 
in these days a great deal respecting 1 rights. We hear of 
the rights of private judgment, the rights of labor, the rights 
of property 1 , and the rights of men. Rights are grand 
things, divine things in this world of God's. But the way 
in which we expound those rights seems to me to be the 
very incarnation 1 of selfishness 1 . My rights are, in truth, 
my duties ; my rights are limited by another man's rights. 
For example 1 , I have a perfect 1 right to build a wall on my 
own estate. The language of the law is that to whomso- 
ever the soil belongs is his all up to the skies. But within 
three yards of my wall is my neighbor's window. What 
becomes of the right that I was talking of ? My right is 
limited ; it is my duty, because limited by his right. Now, 
democracy 1 , if it means anything, means government by 
the people. Let us not endeavor to make it ridiculous 1 . It 
does not mean that the Bushman 1 or the Australian 1 is 
equal to the Englishman 1 . But it means this : that the 
original stuff of which all men are made is equal, that th^re 
is no reason why the Hottentot 1 and the Australian may 
not be cultivated 1 so that in the lapse of centuries 1 they 
may be equal to Englishmen. And I suppose that all free 
institutions mean this. I suppose they are meant to 
assert 1 : Let the people be educated ; let there be a fair 
field and no favor ; let every man have a fair chance, and 
then the happiest 1 condition of a nation would be that 
when every man has been educated morally 1 and intellec- 
tually 1 to his highest capacity 1 , there should then be selected 
out of men so trained a government of the wisest and the 
best. — F. W. Robertson. 



206 THE COMPLETE DICTATER 

CENTRALIZATION 1 IN THE UNITED STATES 

The unmistakable 1 danger that threatens free govern- 
ment in America is the increasing tendency 1 to concen- 
trate 1 in the federal 1 government powers and privileges 1 
that should be left with the states, and to create powers 
that neither the state nor federal government should have. 
Concurrent with this political 1 drift is another movement, 
less formal, perhaps 1 , but not less dangerous — the consoli- 
dation 1 of capital. The world has not seen nor has the mind 
of man conceived of such miraculous 1 wealth -gathering as 
are everyday tales to us. Aladdin's lamp is dimmed, and 
Monte Cristo becomes commonplace 1 when compared to our 
magicians 1 of finance and trade. I do not denounce 1 the 
newly rich. Our great wealth has brought us profit and 
splendor 1 . But the status itself is a menace. A home 
that costs three million dollars and a breakfast that costs 
five thousand dollars are disquieting 1 facts to the millions 
who live in a hut and dine on a crust. The fact that a man 
ten years from poverty has an income of twenty million 
dollars falls strangely on the ears of those who hear it, as 
they sit empty-handed while children cry for bread. What 
is the remedy? To exalt the hearthstone 1 , to strengthen 
the home, to build up the individual 1 , to magnify and de- 
fend 1 the principle of local self-government. Not in depre- 
ciation 1 of the federal government, but to its glory ; not to 
weaken the republic 1 , but to strengthen it. Let it be 
understood that I am no pessimist 1 as to this republic. I 
always bet on sunshine in America. I know that my coun- 
try has reached the point of perilous 1 greatness ; but I 
know that beyond the uttermost glory is enthroned 1 the 
Lord God Almighty 1 , and that when the hour of her trial 
has come he will lift up his everlasting 1 gates and bend 
down above her in mercy and in love.— Henry TV. Grady. 



SELECTED ARTICLES *207 

TO MAKE WAR MORE HORRIBLE 

The government expends a small sum each year for testing 
new devices of a possible military 1 value. The Board of 
Ordnance 1 and Fortification 1 is supposed to have the duty of 
encouraging inventors 1 and assisting in the development 1 of 
their inventions. Last year only five thousand dollars was 
expended by the board, which, with its accumulated allot- 
ments 1 of previous years, has now on hand more than one 
hundred thousand dollars. Comparatively 1 few experi- 
ments 1 are made, and the vast number of suggestions are 
apparently 1 shelved 1 without much more attention than 
polite acknowledgment 1 to the authors. Nearly all the 
devices submitted are intended 1 to increase the terrors of 
war by adding to the efficacy 1 of the means of fighting. 
Perhaps 1 an exception should be made in favor of the ear 
protector 1 , the invention of a New York man, adapted for 
use by those who are on duty in the turrets of battleships 
and those who are stationed at the coast fortifications. Some 
of the other inventions which have been favorably received 
may be regarded as having a tendency 1 to encourage peace, 
since they would introduce into warfare factors 1 of devasta- 
tion 1 which would, by their diabolical 1 results, promote inter- 
national disarmament 1 . Of this class must be considered 
those bomb-dropping devices which, if successful, would 
destroy whole armies ; the inflammable 1 projectile 1 capable 1 
of burning up a camp ; the nitroglycerine 1 missile ; a scheme 
for pouring burning sulphur 1 into trenches, and kindred 1 
methods of wholesale obliteration 1 . There is, too, the 
usual proportion of armored 1 cars, including the highly 
protected 1 motor which shall penetrate 1 the enemy's lines 
and afford its steel-shielded 1 occupants a chance to pick 
off the opposing marksmen and incidentally 1 strew high 
explosives 1 along a death-dealing route. The country does 
not lack yet, with all the cry for universal 1 peace, the means 
of increasing the ravages 1 of war. — Harper's Weekly. 



208 THE COMPLETE DICTATER 

THE DEGRADATION 1 OF THE COURTS 

Some self-respecting 1 and independent 1 judge will sooner 
or later realize 1 the indecency 1 and the scandal 1 of the pre- 
vailing 1 condition of court procedure 1 , and by his own cour- 
ageous 1 initiative 1 put an end to it. Day by day the law, 
the court, and the processes of the law are being brought 
into contempt in the eyes of the public by the methods of a 
disreputable 1 press. Trial by jury is visibly 1 breaking 
down ; the dignity 1 of the Court itself is in derision 1 , and 
the traditional 1 deportment 1 of justice is fast fading into 
memory. The judges themselves, and not the newspapers, 
are to blame. The latter have only one purpose 1 to serve, 
which is to sell their wares by conforming 1 to the degraded 
taste of a morbid 1 public 1 . The court, its whole appenage 1 
and personnel 1 , is handed over, from its opening to its close, 
to a horde of photographers 1 and draughtsmen 1 . Every 
development 1 of the case is posed for the press, precisely 1 
as if it marked a stage in a prize fight or an episode 1 in a 
vaudeville 1 show. This, we submit, cannot continue 1 in- 
definitely 1 if the system of trial by jury is to endure. How 
any self-respecting judge can sit smiling and indifferent and 
allow the shameful and insidious 1 farce to demoralize 1 his 
court and deprave the public conscience 1 , is beyond our com- 
prehension 1 . Yet each day witnesses incidents in the conduct 
of our civil and criminal 1 cases that reflect 1 sadly on the 
capacity of the judiciary 1 and make us tremble for the future 
of the court. Every judge is constituted 1 the guardian 1 of 
his own court. There is no act of a judge that so challenges 1 
public approval as that by which he asserts 1 and protects 1 the 
dignity of his court. The public never hears of an offender 1 
being held in contempt of the court and being visited with 
a fine or a day's seclusion 1 that it does not heartily approve 
the incident 1 and applaud the judge who has shown his 
jealousy 1 of his own dignity and his sensitiveness 1 as to the 
honor of his court. — Neiv York Sun. 



SELECTED ARTICLES 209 

CHRISTIAN 1 CITIZENSHIP 1 

The fundamental 1 service which the church has to render 
in the line of municipal 1 or national betterment 1 is to de- 
velop 1 in Christians as such a civic 1 consciousness 1 . To an 
American the Stars and Stripes ought to be as actually a part 
of his religion as the Sermon on the Mount. Other things 
being equal, it is as urgently 1 the obligation of a Christian 
to go to the polls on election day as it is for him to go to the 
Lord's table on communion 1 day. That sense of the holy 
obligation which citizenship involves 1 must be made part of 
our Christian religion. It must be taught from the pulpit, 
rehearsed 1 at the home, reiterated 1 in the Sunday school, 
and practiced in the life. I wish the time might come when 
we could have our national colors displayed in the sanctu- 
ary 1 , not simply hung from the belfry in a shy kind of way 
on Fourth of July and the twenty-second of February, but 
made a permanent 1 part of sanctuary decoration 1 . The old 
Hebrew never thought of patriotism 1 as anything but a con- 
stituent 1 part of religion. To him it was religion in its 
political 1 aspects 1 . I wish there were some way in which 
we could make civic virtue part of our creed. It would be 
a tremendous 1 gain if we could, all of us, come to conceive of 
and to handle civic duties, such as attending the primaries 1 
and going to the polls, as lying on religious ground and con- 
tained within Christian jurisdiction 1 . The instant effect 1 of 
such civic consciousness would be to bring the citizen into 
direct practical 1 relations to his city or country, and to make 
him feel in regard to his city, for example 1 , "This is my 
city." No matter how many mayors or aldermen or police 
captains you have, it is your city all the same, and no city 
is safe unless its citizens tread steadily on the heels of those 
who have been hired to do the town's business. The mayor 
is bound to look after the citizens, but the citizens are just 
as bound to look after the mayor. 

Charles H. Parkhurst 1 , D. D. 



210 THE COMPLETE DICTATES 

THE AUTHORITY 1 OF THE STATE 

We have reason to congratulate 1 ourselves that coinci- 
dent 1 with prosperity 1 there is an emphatic 1 assertion 1 of 
popular 1 rights and a keen resentment 1 of public 1 wrongs. 
There is no panacea 1 in executive 1 or legislative 1 action for 
all the ills of society which spring from the frailties and 
defects 1 of the human nature of its members. But this 
furnishes no excuse for complacent 1 inactivity 1 and no rea- 
son for the toleration 1 of wrongs made possible by defect- 
ive 1 or inadequate 1 legislation 1 , or by administrative 1 par- 
tiality 1 or inefficiency 1 . Whether or not we have laws 
enough, we certainly have enough of ill-considered legisla- 
tion, and the question 1 is not as to the quantity 1 , but as to 
the^ quality 1 of our present and of our proposed enact- 
ments 1 . Slowly but surely the people have narrowed the 
opportunities for selfish aggression, and the demand of this 
hour, and of all hours in this state and in the nation, is not 
allegiance 1 to phrases, but sympathy with every aspira- 
tion 1 for the betterment 1 of conditions, and a sincere and 
patient 1 effort to understand every need and to ascertain in 
the light of experience the means best adapted to meet it. 
It is the capacity for such close examination 1 without heat 
or disqualifying 1 prejudice 1 which distinguishes 1 the con- 
structive 1 effort from vain endeavors 1 to change human 
nature by changing the forms of government. It must 
freely be recognized that many of the evils of which we 
complain have their source in the law itself, in privileges 1 
carelessly granted, in opportunities for private aggrandize- 
ment 1 at the expense of the people recklessly 1 created, in 
failure to safeguard 1 our public interests by providing 
means for just regulation 1 of those enterprises which 
depend upon the use of public franchises. Wherever the 
law gives unjust advantage there is urgent 1 necessity for 
the assertion of the authority of the state to enforce the 
common right. — Charles E. Hughes. 



PART IV 
Gregg Vocabulary 



TO THE TEACHER 

The Gregg outlines in the following vocabulary may be 
accepted as authoritative in every detail. They represent 
the combined judgment of a group of the best Gregg teachers. 



212 



GREGG VOCABULARY 



abandoned 
abhor 
abolished 
absolute 

absolutely 
absorb 

absorptive 
absurdly 

abundance 
academic 

acceptable 
acceptance 

accessible 
accessories 

accidents 
accommodate 

accomplish 
accordance 

accredited 
accrued 
accuracy 
accurate 

accurately 
achievement 
acknowledge 
acknowledg- 
ment 
acquaint 
acquaintance 
acquisition 
actively 




activities 
actual 

actuated 

adaptation 
additional 
adequate 

adequately 
adhered 

adhesive 
adjectives 

adjusted 
adjustment 

administer 
administration 

administrative 
administrator 

admirable 
advancement 

advantageous 
advantageously 

advisability 

advisable 

aeronaut 

affect 

afford 

afore-men- 
tioned 

aforesaid 

afternoon 

afterward 

agent 

aggrandize- 
ment 

aggregation 



213 



214 



GREGG VOCABULARY 



aggressiveness 
agricultural 

agriculture 
agriculturist 

Akron 
Alameda 

Albany 
Albion 

alcohol 
Alexander 

aliens 
Allegheny 

allegiance 
alleviated 

alliance 
Allison 

allotment 
Almighty 

alongside 
alternating 

although 
amazingly 

American 
Americanism 

ammeter 
amperes 

Amsterdam 
analogous 

analysis 
analyzed 

Anderson 
Andrew 

Anglo Saxon 
anniversary 

announcement 
annual 

annually 
another 




anthracite 
anticipate 

anxiety 
anxious 

apartment 
appanage 

apparatus 
apparent 

apparently 
application 

appointment 
apportioned 

appreciate 
apprehension 

approval 
approved 

approximate 
approximately 

appurtenances 
apricots 

aptitude 
arbitraries 

arbitration 
architect 

Arizona 
Arkansas 

armature 
armored 

Armstrong 
arrangement 



arrearage 
arrears 



arrival 
articles 



artisan 
artistic 



asbestos 
ascertain 



GREGG VOCABULARY 



215 



Asia Minor 
aspect 

asphalt 
aspiration 

assert 
assertion 

assessment 
assigned 

assignment 

assimilate 

assist 
assistance 

assistant 
association 

assortment 
assurance 

Assyria 
Atchison 

athletic 
Atlanta 

Atlantic 
Atlantic City 

atmosphere 
atrophy 

attached 
attendance 

attitude 
attorney 

attractive 
auctioneers 

audiences 
auditor 

auspices 
Australia 

Australian 
Austria 

authority 
authorize 



c^-^" 



; 



automatic 
automobile 

available 
averaging 

avidity 
avoirdupois 

award 
aye 



B 

Babcock 
balance 

Baldwin 
Baltimore 

Bangor 
barbarous 

Barclay 
bargained 

barley 
Barnes 

barrel 
bath-room 

batiste 
Baton Rouge 

bearer 
beautification 

behalf 
behooves 

believe 
believers 

beneficial 
beneficiary 

benefit 
benevolent 

benzine 
' Berkley 

Bernard 
bespeaking 



216 

Bethlehem 
better 

betterment 
between 

binder 
bindery 

binding 
Bingham 

Binghampton 
birch 

Birmingham 
bishop 

bituminous 
blazoned 

Bloomingdale 
blue-prints 

board 
boiler 

Boise City 
bookseller 

boulevard 
bounties 

boyhood 
Bradfield 

Bradford 
braggart 

Brennon 
brethren 

bricklayers 
Bridgeport 

Brighton 
brilliant 

Bristol 
British 

Bronson 
brotherhood 

brutality 
Bryn Mawr 



GREGG VOCABULARY 




Buchanan 
buckwheat 

. Buenos Ayres 
Buffalo 

bundled 
bunker 

Burlington 
Burns 

Bushman 

Butler 

buzzard 



cabinet 
calculable 

calculate 
calculation 

calender 
calibration 

California 
Cambridge 

campaign 
Canada 

Canadian 
cancel 

capable 
capacity 

capital 
capitalist 

captains 
carbon 

Carbondale 
carburetor 

carded 
carelessness 

cargo 
Carlisle 



carload 
Carroll 



GREGG VOCABULARY 



217 



cartage 
cashier 

cashmere 
Castner 

catalogue 
Catharine 

catsup 
cement 

censure 
central 

centralization 
centuries 

cereal 
certainly 

certificate 
certified 

challenge 
challis 

chamber 
Chamberlain 

Champlain 
change 

character 
characteristic 

characterized 
charge 

Charleston 
Charlotte 

charter 
Chattanooga 

cheerfully 
chestnut 

Chicago 
children 

Christian 
cigar 

Cincinnati 
circuit 





•*. * 



circular 
circulating 

circulation 
circumstance 




218 

commentary 
commerce 

commercial 
commission 

committee 
commodity 

commonplace 
commonwealth 

communicate 
communication 

communion 
community 

commutators 
companion 

comparatively 
compared 

compelled 
compensate 

competency 
competition 

competitive 
competitors 

complacent 
complaint 

completeness 
compound 

comprehension 
comprehensive 

compulsory 
concentrate 

concentration 
concern 

concession 
conclusion 

conclusive 
conclusively 

Concord 
concrete 



GREGG VOCABULARY 





-£_ 



? 



*"Z 



""21 





y 



conductor 
confederacy 

conference 
confidence 

confident 
confirm 

confirmation 
conflict 

conform 
congestion 

congratulate 
Congress 

congressional 
congressman 

connect 
Connecticut 

connection 
conquest 

conscience 
consciousness 

conscripts 
consequence 

conservative 
conserving 

considerably 
consignment 

consistent 
consolidated 

consolidation 
conspicuous 

constantly 
constituent 

constitute 
constitutional 

construction 
constructor 

constructive 
consular 



GREGG VOCABULARY 



219 



consumption 
contemplate 

contemptible 
continental 

contingency 
contingent 

continual 
continually 

continuance 
continue 

continued 
continuous 

continuously 
contracting 

contractor 
contrary 

contribute 
contribution- 
ship 
contributor 
convenience 

convenient 
conversation 

conveyance 
convict 

cooperation 
cooperative 
Cooper-Hewitt 
Copenhagen 

cordiality 
cordially 

Cornelius 
Cornell 

corporation 
correct 

corrections 
correctly 

correspondence 
correspondent 




corresponding- 
ly 
corrugated 
corrugation 
corrupt 

corruption 
cosmopolitan 

Council Bluffs 
counter 

counter-claim 
courageous 

courteously 
courtesy 

covenant 
Covington 

cowardly 

Cranston 

creditably 
creditors 

crepes 
criminal 

critical 
criticism 



critics 
cross-section 

crusade 
cultivate 

cultivation 
culture 

Cumberland 
curiosity 

curled 
Curran 

current 
curtailed 

customer 

custom-house 

cutlery 

cylinder 

cypress 



220 



GREGG VOCABULARY 



D 

dangerous 
Daniel 

Darwin 
Davenport 

David 
deadening 

dealer 
decades 

De Casseres 
deceased 

December 
decision 

decisiveness 
decoration 

decorative 
dedicated 

deduct 
deduction 

defeat 
defect 

defective 
defend 

defendant 
definite 

definitely 
deflection 

degradation 
Delaware 

delegate 
delegation 

democracy 
democratic 

demonstrate 
demonstration 

demoralize 
demurrage 




Denmark 
denounce 

Denver 
department 

dependency 
deponent 

deposition 
depreciated 

depreciation 
descent 

describing 
description 

descriptive 
desirous 

Des Moines 
destination 



destruction 
destructive 

detached 
detail 

deterioration 
determination 

determine 
devastate 

devastation 
dovelop 

development 
devise 

devoted 
diabolical 

diameter 
didactically 

digested 
dignified 

dignity 
dilemma 

dimensions 
diminish 



GREGG VOCABULARY 



221 



diploma 
direct 

direction 
directly 

director 
disability 

disadvantage 
disappoint 

disappointment 
disarmament 

disaster 
disbursement 

discerned 
discharge 

discontinuing 
discourage 

discoverable 
discoverer 

discrepancy 
disease 

disfigurement 
dishonest 

disintegrates 
disinterested 

disposal 
disposition 

disqualifying 
disquieting 

disregard 
disreputable 

disseminate 
distance 

distillery 
distinctive 

distinctly 
distinguished 

distorts 
distribute 




-?-? 




<? -3 




"7 a X. 



distribution 
distributor 

District of Co- 
lumbia 
disturbed 




<^- 



A 



duplicate 
dwelling 

Dwyer 

dynasties 



earlier 
earliest 

earnest 
earnestness 

earthquake 
eastern 

economic 
economical 

economically 
economy 

editorial 
educational 

educator 
Edward 

Edwin 
effect 



222 



GREGG VOCABULARY 



effective 
effectively 



efficacy 
efficient 

election 
electric 

electrical 
electricity 

electrotype 
elementary 

elements 
eliminating 

Elizabeth 
Elmira 

elsewhere 
Elyria 

emancipation 
embargoes 

embezzlement 
Emerson 

eminent 
emotional 

emotionally 
emphatic 

Emporia 
Emporium 

empowers 
empty 

enactment 
enameled 

enclosure 
encountered 

encumbrance 
endeavor 

endorse 
endorsers 

endurance 
energetic 



4 V 




TT-, 




Z 



engagement 
engineer 

Engleside 
English 

Englishman 
enlightenment 




L 



enunciate 
envelope 

equality 
equalize 

equip 
equipment 

equity 
equivalent 

especially 
esquire 

essential 
establish 

establishment 
estimate 

etc. 
Europe 

European 
Evansville 

eventually 
everlasting 



GREGG VOCABULARY 



exact 
exactly 

exam iimtion 
examined 

example 
excavation 

exceedingly 
excellent 

exceptionally 
exchange 

exclusion 
exclusive 

exclusively 
excursion 

execute 
execution 

executive 
executor 

exert 
exhaustive 

exhaustively 
exhibit 

existence 
expect 

expectation 
expedite 

expenditure 
expense 

experienced 
experiment 

experimenters 
expiration 

expired 
explaining 

explanation 
exporter 

extension 
extensive 



<^~-> <S^~2> 



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f f 
f £~ 

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223 

extensively 

extraction 

extraordinary 



facilitate 
facilities 

factor 
faculties 

Fairbanks 
faithfully 

Fall River 
falsified 

familiar 
familiarity 

Farquhar 
fastidious 

fatherhood 
features 

February 
federal 

federated 
federation 

felicitous 
fellowship 

Fenton 
Ferguson 

fertilizing 
feverish 

fidelity 
figure 

filtration 
finance 

financial 
financiers 

finest 
finish 

Finland 
fire-proof 



224 



GREGG VOCABULARY 



first-class 
fiscal 

fixtures 
flanneletts 

flashlight 
Fleisher 

Florida 
fluctuating 

fluctuation 
f. o. b. 

Folsom 
foodstuffs 

foothold 
foots 

forbid 
foreclosure 

forefathers 
forethought 

forever 
forged 

forgivings 
forgotten 

formality 
former 

formerly 
forthcoming 

fortification 
fortress 

Fort Smith 
fortunately 

fortune 
Fort Wayne 

forward 
forwardness 

foundation 
foundry 

fractional 
Frank 




Franklin 
Frederick 

Freeport 
frenzied 

frequency 
frequent 

frequently 
friendship 

frugal 
function 

fundamental 
furnace 

furnish 
furniture 

further 

furtherance 

furthermore 



gainful 
galvanized 

garage 
Garner 

generating 
generator 

generosity 
generous 

Gensel 
genuine 

geographers 
geography 

geological 
George 

Georgia 
German 

Gessler 
Gibbons 

Girard 
Girard Point 



GREGG VOCABULARY 



225 



Githens 
Gladstone 

glassware 
glorious 

Gloucester 
Goldsboro 

goodselves 
governmental 

graduate 
Graham 

grandmother 
Grand Rapids 

grantee 
grantor 

granulate 
gratification 

gratified 
gratitude 

greater 
Greensburg 

Greenwich 
grievances 

grocery 
guarantee 

guardian 
guardianship 

Guthrie 
gymnastic 

H 

half-tone 
Hamilton 

Hancock 
handicap 

handle 
handsome 

Hanneman 
Hannibal 




happiest 
Harkins 

Harold 
Harper 

Harrisburg 
Hartford 

Harvard 
Hastings 

Hayward 
hazard 

hazardous 
hazel 

headquarters 
healthier 

hearthstone 
heavier 

Helena 
Herald 

Herbert 
hereafter 

hereditaments 
hereinafter 

hereof 
hereunto 

Herman 
hesitate 

hesitation 
Hewitt 

high-class 
Hilton 

Hinckle 
historical 

history 
hitherto 

holder 
Holland 

Holloway 
honorable 



226 



GREGG VOCABULARY 



Hotchkiss 
howsoever 

Huelva 
humanitarian 

Humphreys 
hundred 

Hungary 
Huntington 

hurly-burly 

hustler 

hypocrisy 



Idaho 
ignition 

ignorance 
Illinois 

ill-naturedly 
illumination 

illustration 
imagine 

immigrate 
immoral 

immunity 
impact 

impairs 
impediment 

impending 
imperative 

imperfect 
impel fectly 

import 
impregnate 

improper 
impropriety 
improvement 
improvidence 

improvident 
inactivity 




<s~ 



^ 



-e-?- 




inadequate 
inappropriate 

inasmuch 
inaugurate 

incandescent 
incarnation 

incident 
incidental 

incinerating 
inclination 

inclusive 
income 



incompetent 
incontestable 

inconvenience 
inconvenient 

incorporate 
incumbrance 

indebted 
indecency 

indefinable 
indefinite 

indefinitley 
indenture 

independence 
independent 

indestructible 
Indiana 

Indianapolis 
indicate 

indication 
indicted 

indiscriminate 
indispensable 

indisputable 
individual 

individuality 
indorse 



GREGG VOCABULARY 



227 



indorsement 
indulge 

indulgence 
industrial 

industrialism 
industry 

inefficiency 
inequality 

inevitable 
inevitably 

inference 
inferior 

infinite 
infinitely 

inflammable 
influential 
inform 
ingots 

inhabitant 
initial 

initiative 
inquiry 

insert 
insertion 

insidious 
inspection 

inspector 
inspiring 

installation 
installments 

instantly 
instinctive 

institute 
institution 

instruct 
instruction 

instructive 
instructor 



■^> 



^> 



5 



7 



v 



a — i cr~^ 




/ 



V 







& /* 



instrument 
insufficient 

insurance 
integrity 

intellectual 
intellectually 
intelligence 
intelligent 

intend 
intense 

intent 
intention 
interchange 
interchangea- 
ble 

interchangea- 
bly 
interest 

interior 
international 

interoceanic 
interpretation 

interstate 
interurban 

interview 
intimate 

introduce 
introduction 

introductory 
invaluable 

invariably 
inventor 

investigate 
investigation 

investment 
inviolable 

involved 
involves 

Iowa 
Irish 



228 



GREGG VOCABULARY 



ironstone 
irregular 

irregularity 
irregularly 

irreparable 
irrespective 

irrevocable 
irrigation 

islands 

isthmian 

isthmus 



Jacksonville 
January 

Japan 
Japanese 

jealousy 
Jefferson 

Jefferson City 
Jennings 

Jersey City 
Johnson 

Johnstown 
journal 

judicial 
judiciary 

Juggernaut 
junior 

jurisdiction 
justification 
justify 

K 

Kansas 
Kansas City 

Kentucky 
Kimball 

Kincade 
kindly 




kindred 
Kingsley 

Kittredge 
Knickerbocker 

knowledge 
Knoxville 



laboratory 
Lakewood 

Lancaster 
Langley 

Lansing 
larded 

lastly 
Lawrence 

lawyers 
leadership 

learned 
leather 

Leavenworth 
Lebanon 

lecture 
lecturer 

legislation 
legislative 

legislator 
legislature 

legitimate 
legitimately 

leniency 
Leonard 

lessening 
lethargy 

Lewiston 
Lexington 



liability 
liberality 



GREGG VOCABULARY 



229 



libraries 
lightning 

likelihood 
Lincoln 

linens 
liquidation 

Litchford 
literary 

literature 
Livingston 

loathsome 
locality 

Longaker 
Longstreth 

Lorimer 
Los Angeles 

Louisiana 
Louisville 

lumber 
luxuries 

Lykens 
Lynchburg 

M 

MacAllister 
macaroni 

machinery 
MacKellar 

mackerel 
magazine 

Magellan 
magicians 

magneto 
magnitude 

maintain 
maintenance 

majority 
Mallory 




manager 
managerial 

Manchester 
manifestation 

manifests 
manifold 

Mansfield 
manual 

manufacture 
manufacturer 

manuscript 
Margaret 

margin 
maritime 

marketable 
Martin 

marvelously 
Maryland 

Massachusetts 
mastery 

material 
materially 

Matlack 

mature 

maturity 
maximum 

Maxwell 
McCall 

McCawley 
McDonnell 

McLaughlin 
McVey 

mechanical 
mechanics 

mechanism 
medical 

medicine 
mediums 



230 



GREGG VOCABULARY 



membership 
memorandum 

memorials 
menagerie 

Menker 
mercantile 

merchandise 
merchant 

mercury 

Merrill 

messuage 
Middleton 

Middletown 
military 

Millard 
milli-voltmeter 

Milwaukee 
minimum 

minute 
miraculous 

mirror 
miscellaneous 

mischief 
misfortune 

misgivings 
misjudgment 

Mississippi 
mistake 

mistaken 
Mitchell 

modern 
mohair 

monograph 
monopoly 

Montana 
Montgomery 

Montreal 
morally 




national 
nationalization 



GREGG VOCABULARY 



231 



New England 

New Hamp- 
shire 
New Haven 
New Jersey 

Newlin 
New London 

New Mexico 
New Orleans 

Newport 
Newport News 

New York 
Niagara 

Nicaragua 
nitroglycerine 

Norcross 
Norfolk 

normal 
Norristown 

North Carolina 
North Dakota 

northern 
northward 

northwest 
northwestern 

Norton 
Norwalk 

Norway 
notification 

notify 

notwithstand- 
ing 

novelties 

November 

nowadays 



obligation 
obliteration 

observable 
observation 




observer 
obtainable 

obvious 
obviously 

occupation 
October 

offender 
officer 

official 
O. K. 

Oklahoma 
oldest 

Omaha 
omnipresent 

operation 
operator 

opinion 
opponents 

oppressive 
orators 

ordinarily 
ordinary 

ordnance 
organdies 

organizations 
original 

originality 
originally 

ornamental 
orphans 

otherwise 
outfit 

outskirt 
outspoken 

outstanding 
over-cultivate 

overdraft 
overdrawn 



232 



GREGG VOCABULARY 



overestimating 
overhauling 

overlooked 
overtax 

overvaluing 
ownership 



paints 
pamphlet 

panacea 
Panama 

Pan-American 
paradoxical 

Parkersburg 
Parkhurst 

parson 
partiality 

partially 
participating 

partisan 
partnership 

Parvin 
Pasadena 

passenger 
passionate 

Paterson 
patient 

patriotism 
Patterson 



pavement 
pawnshop 

pearl 
peculation 

peculiar 
penetrate 

penetrating 
Pennsylvania 



^ 




o^L^ U*_ 



Penrose 
Pensacola 

pensions 
Peoria 

percales 
perceives 

percentage 
perfect 

perfectly 
perform 

performance 
perhaps 

perilous 
periodical 

periods 
Perkins 

permanent 
permanently 

permeates 
perpetual 

persecution 
Persia 

persistence 
persists 

personal 
personality 

personally 
personnel 

pertaining 
pertinent 

pervades 
pessimist 

pestilence 
Petersburg 

Philadelphia 
philosopher 

philosophy 
Phoenix 



GBEGG VOCABULARY 



233 



phosphor 
phosphorous 

photographers 
photogravures 

physical 
picture 

Pierre 
pilgrims 

pioneer 
Pittsburgh 

planter 
plasterers 

plastering 
platform 

plotting 
plutocracy 

Pocahontas 
pointer 

poise 
policy-holders 

political 
politician 

politics 
popular 

portable 
portion 

Portland 
Porto Rico 

Port Reading 
Port Richmond 

Portsmouth 
positively 

possession 
possibility 

postage 
postmaster 

postpone 
potent 



potentialities 
Pottsville 

Poughkeepsie 
practicable 

practical 
practically 




prepare 
presentments 



prevention 
preventive 

primaries 
primarily 

Princeton 
privilege 

probability 
probably 

procedure 
proceedings 

proceeds 
production 

productive 
profession 



234 

professional 
professor 

profitable 
program 

progress 
progressive 

projectile 
prominent 

prominently 
promiscuous 

promoters 
promptly 

pronounced 
proofreading 

propeller 
proper 

properly 
property 

prophets 
proportion 

proposal 
proposition 

propounded 
propulsion 

prospect 
prosper 

prosperity 
protect 

protection 
protective 

prothonotary 
protract 

proverb 
providence 

province 
provision 

prowess 
public 



GREGG VOCABULARY 



O-T^ 






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*~? 



2 s 



TT 




publication 
publicity 

publish 
publisher 

punctuation 
purchase 

purchaser 
purpose 

pursuant 

pursue 

pursuit 



qualification 
qualifying 

quality 
quantity 

quarry 
quarter 

quarterly 
Quebec 

question 
quick 

quickly 
Quimby 

quintessence 
quotation 



radically 
rancor 

random 
Ratchford 

ratify 
ravage 

readjusting 
realization 

realize 
realty 



GREGG VOCABULARY 



235 



recalibration 
recall 

recently 
recipient 

reciprocate 
recklessly 

reclamation 
recompense 

reconsideration 
recorder 

recreation 
rectifier 

rectifying 
recuperate 

recurrence 
redemption 

reduction 
refinement 

reflect 
reflection 

refreshing 
refused 

regret 
regular 

regularly 
regulated 

regulating 
regulation 

rehearsed 
reimbursed 

reinforced 
reinstate 

reinstatement 
reiterate 

relapse 
relations 

relationship 
relatively 








^? 



^^r 



relax 
relaxation 

relays 
released 

relevant 
reliable 

relief 
relieve 

remarkable 
remarkably 

reminder 
remittance 

remuneration 
rendered 

renewal 
Renshaw 

rental 
repairs 

repeatedly 
repentance 

represent 
representation 

representative 
reprints 

reproduction 
republic 

republican 
reputable 

request 
requirement 

requisite 
requisition 

research 
resentment 

reserves 
reservoirs 

resistance 
resolute 



236 



resolvent 
resources 

respect 
respectfully 

respective 
responsibilities 

responsible 
restrained 

restrictions 
results 

resumed 
retirement 

return ~ 
revelation 

Revere 
reverts 

revival 
revocation 

revolt 
rewrite 

Rhode Island 
Richard 

Richardson 
ridiculous 

righteousness 
rightly 

Riverside 
Robinson 

Rochester 
Rockwell 

Rosenblack 
Rotterdam 

roughly 
roundings 

runabout 

Russell 

Russian 



GREGG VOCABULARY 



*? 



>0" 



-y^ 



&_^*_f <i — try 




X- 



*~ s. 



-7 



sacrificing 
safeguarding 

safeguards 
salaried 

salaries 

Salt Lake City 

San Antonio 
sanctuary 

San Francisco 
Santa Fe 
Sargent 
satisfaction 

satisfactorily 
satisfactory 

scandal 
scarcely 

schedule 
Schenectady 

scholarships 
science 

scientific 
Scotland 

Scranton 
seaboard 

season 
Seattle 

seclusion 
secondary 

secondly 
secretary 

secretaryship 
secure 

security 
sedentary 

select 
self-control 

self-government 
selfishness 



GREGG VOCABULARY 



237 



self-preserva- 
tion 
self-respect 

semi-public 
senators 

sensational 
sensationalists 

sensible 
sensitiveness 

sentence 
sentimental 

separate 
separator 

September 
serenity 



shareholders 
Shearer 

Sheffield 
shelves 

sheriffs 
shield 

shipyard 
short 

shortage 
shorter 

shortest 
shorthand 

short-leaf 
shortsighted 




serious 
service 


*-r ?7 


serviceable 
settlement 




severally 
severalty 


severity 
shafting 


t* 


Shakespeare 
shallow 


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J 



^ 



shovel 
Shreveport 

shrewd 
sidewalk 

signal 
signature 

significance 
significant 

silkaline 
Simpson 

sincere 
sincerely 

sincerity 
singular 

situation 
skilfully 

slightingly 
slower 

sluggishness 
social 

socialism 
society 

sociologist 
sociology 

sockets 
soldered 

solicitor 
somehow 

sometime 
South Amboy 

South Carolina 
South Dakota 

southeast 
southern 

southward 
southwestern 

souvenir 

specialists 



238 



GREGG VOCABULARY 



specialties 
specific 

specifically 
specification 

specified 
speculate 

speculation 
speculative 

spinach 
spirit 

spiritual 
splendor 

spontaneous 
sporadic 

Springfield 
spurious 

squander 
squire 

stammer 
stamped 

standard 
standpoint 

start 
statistical 

statute 

St. Augustine 

stay-bolt 
steadiest 

steamboat 
stenographer 

Stenton 
Sterling 

stevedoring 
Stevenson 

stimulating 
stipple 

stipulate 
St. Joseph 



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x^ ^ 



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St. Louis 
stockholders 

stop-over 
storage 

straightened 
strategic 

strengthen 
stretchers 

strongest 
structure 

struggle 
student 

subcommittee 
subordinated 

subscribe 
subscribers 

subscription 
subsidence 

subsidiary 
subsidies 

subsidizing 
substantial 

substantially 
substitute 

substitution 
successful 

successfully 
sufficient 

sufficiently 
sugar 

sulphur 
superintendent 

superior 
superstition 

supervision 
supplement 

supplemental 
support 



GHEGG VOCABULARY 



239 



supremacy 
surety 

surpassed 
surplus 

surprise 
surprising' y 

surrender 
surround 

surviving 
susceptible 

suspending 
suspiciously 

sustained 
swan 

swarm 

Sweden 

Swinton 

switch 

sworn 
syndicate 

Syracuse 
systematic 



tactful 
taffeta 

tangible 
tantalum 

tapestry 
taxation 

Taylor 
technical 

technology 
tedious 

telegrams 
telephone 

tenant 
tendency 



As* 



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tenure 
terminal 

territory 
testament 

testimony 
text-book 

Thackeray 
thanksgiving 

thenceforth 
thereafter 

thereof 
thickness 

thistle 
Thomasville 

thorough 
thoroughly 

threaten 
ticket-seller 

tidewater 
tillage 

timidity 
tolerate 

toleration 
tombstone 

topography 
Toronto 

totally 
traditional 

traffic 
transaction 

transfer 
transform 

transient 
transit 

transition 
transmit 



240 



GREGG VOCABULARY 



transportation 
treasurer 

tremendous 
Trenton 

tribunal 
truthful 

tungsten 
turn-table 

turpentine 

typewriting 

typhoid 

u 

ultimate 
ultimo 

unacquainted 
unambitious 

unanimous 
unavoidable 

uncertainty 
uncommonly 

underground 
underlying 

underneath 
understand 

understood 
undertake 

undertaken 
underwent 

underwriters 
undoubtedly 

unequalled 
unescapable 

unfaithfulness 
unfortunately 

unharmed 
unhealthful 

uniform 
uniformly 




C? O 



uninspiring 
united 

unity 
universal 

university 
unmistakable 

unmitigated 
unmounted 

unprecedented 
unreasonable 

unsatisfactory 
unsectarian 

unsettled 
unskilled 

unsymmetrical 
unsympathetic 

unusual 
unusually 

upholding 
urbanity 

urged 
urgent 

urgently 
usefulness 

Utah 
utensils 

Utica 
utility 
utilizing 



vagrancy 
validated 

validating 
valueless 

Vanderbilt 
Vandergrift 

various 
vaudeville 



GREGG VOCABULARY 



241 



vegetables 
vehicle 

Vernon 
verticle 

vice-president 
vicinity 

Vicksburg 
victor 

victorious 
vigorous 

Vincent 
vinegar 

vineyard 
violence 

Virginia 
Virginia City 

virtually 
visible 

visibly 
visitor 

vitality 
vivified 

voice-culture 
voltmeter 

volume 

voluntary 

vouchers 



W 

Wabash 
Walter 

warrant 
Warren 

wash-easy 
Washington 

Watertown 
Watkins 

Waved y 
waybill 



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welcome 
western 



West Indian 
westward 



Wharton 
wheeled 



whereof 
whereon 



Whitman 
wholesale 



whomsoever 
whosoever 



wilderness 
Wilkes- Barre 



Williamsport 
Wilmington 




«/ 



withdrawing 
withdrawn 



Worcester 
work-a-day 

workingmen 
workmanship 

worst 
wound 



242 



GREGG VOCABULARY 



yard 
yarns 

yesterday 

yield 

Yonkers 



y 





York 


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Youngstown 


" 


z 


.5 


Zanesville 



JUL 18 1907 



